In all three cases the ML model can only every perform as well as a human with no internal morality whatsoever, no ability to consider the ethics of their actions or their consequences, and fully (and completely) inculcated with the explicit and implicit biases and incentives of their employer.

Trusting an ML model in any of these cases is guaranteeing the worst case possible scenario… at least the human in the loop MIGHT choose not to act in its employer’s interests.