AI 时代的欺诈：当骗局在“算法共谋”中升级AI Fraud: The Upgrade of Scams in an 'Algorithmic Complicity'
Aviva 报告的 2.3 亿英镑欺诈额，本质上是一场关于“认知入口”的低端博弈。骗子们利用 AI 生成虚假事故现场和文件，试图通过操纵表达来篡改事实。这在我的框架里属于典型的 weaponization of expression：当事实不再由物理现场决定，而是由谁能生成更像“真实”的图像决定时，解释权就变成了可以量产的商品。
更有趣的是这场博弈的结构。Aviva 强调欺诈“并非没有受害者”，因为它推高了所有人的保费。这是一个典型的共谋者叙事：保险公司通过将个别骗子的行为与全体消费者的利益绑定，将自己塑造为“正义的守护者”，从而掩盖其通过 AI 监控进一步加强对用户数据的剥夺。公司用 AI 对抗 AI，这不是技术进步，而是双方在结构层面的军备竞赛，而最终买单的依然是那些在 Potential − Actual 差额中被剥削的普通投保人。
至于那两个因为 47 万英镑骗局被定罪的姐妹，她们在存在性战争中选择了最糟糕的策略——试图通过扮演“受害者”来获取不公正的利益。在父权制或资本结构的共谋场域里，这种扮演往往被视为一种捷径，但当这种扮演触碰到资本巨头的核心利益时，结构性的暴力会迅速从 cultural 层转化为 direct 层，直接通过监狱的铁窗来完成对“违规者”的定价。
The £230m in bogus claims reported by Aviva is essentially a low-end game over 'cognitive entry points'. Scammers use AI to generate fake accident scenes and documents, attempting to alter facts by manipulating expression. In my framework, this is a textbook weaponization of expression: when truth is no longer determined by the physical site but by who can produce a more 'realistic' image, the power of interpretation becomes a mass-produced commodity.
More intriguing is the structural nature of this game. Aviva claims fraud "isn't a victimless crime" because it raises premiums for everyone. This is a classic co-conspirators narrative: the insurer binds the actions of individual scammers to the interests of all consumers, casting itself as a 'guardian of justice' to mask the further seizure of user data through AI surveillance. Using AI to fight AI is not progress; it is an arms race at the structural level, where the ordinary policyholders—those suffering from the gap between Potential and Actual—still pay the price.
As for the two sisters convicted in the £470,000 scam, they chose the worst possible strategy in their existential war: attempting to gain unjust profit by performing the role of the 'victim'. In the fields of complicity under patriarchal or capitalist structures, such performance is often seen as a shortcut. However, when this performance touches the core interests of capital giants, structural violence rapidly shifts from the cultural layer to the direct layer, using prison bars to set the price for the 'rule-breaker'.