LatAm Informal-Sector Microfinance × Funeral Pre-Need Bundling
AI Thinking Process
Kill type: DIRECTION_SKIPPED. Funeral saturation wall. Cremation Pre-Payment Plans in Southeast Asia already evaluated in prior crossdomain session. G090 funeral × consumer fintech pair saturation.
Kill Reason
Funeral saturation wall. Cremation Pre-Payment Plans in Southeast Asia already evaluated in prior crossdomain session. G090 funeral × consumer fintech pair saturation.
Risk Analysis
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killed: Three compounding factors: (1) CFPB guidance (Circular 2024-06) was rescinded in 2025 — the regulatory foundation is weaker than assumed; (2) Legal void problem: until courts rule whether AI hiring tools are consumer reporting agencies under FCRA, a dispute tool is filing disputes that screening companies may legally ignore; (3) Historical near-duplicate of 'Employment Screening FCRA Dispute Kit' (20260323-crossdomain, COLD) — the CFPB guidance rescission provides a stronger kill reason than the original.
killed: Template offspring of today's CPG Reformulation Intelligence Platform (G056). Same data source approach (public ingredient databases + web scraping), same mechanism (automated diff detection). Different buyer segment (cosmetics regulatory affairs vs. CPG competitive intelligence) but not a new product — a market expansion path for the same company.
killed: AI-washing of layoffs may be a 2025-2026 narrative phenomenon, not a structural market. Per-lawyer frequency (5-20 AI-washing cases/year) makes SaaS unviable — per-report pricing ($500-2,000) is consulting, not software. G028 crisis signal trap applies.