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References and thanks
All sources are linked inline. I particularly want to call out the phenomenal and in-depth research in New America's Public Interest Technology New Practice Lab's Unpacking Inequities in Unemployment Insurance report, September 2020, in particular Section 3: A Focus on Fraud Over Accessibility: The Punitive Design of UI.
Thanks also to Robin Carnahan, Sara Hudson, Waldo Jaquith, Julia Simon-Mishel, and Sam Zeitlin for the knowledge they shared with me in conversations.