The AI should decide if it's still relevant or not. People should fully understand that their actions reflect their character and this should influence them to always do the right thing.
> The AI should decide
That is a great recipe for systematic discrimination.
I find this a weird take. Are you saying you _want_ unaccountable and profit driven third party companies to become quasi-judicial arbiters of justice?
> People should fully understand that their actions reflect their character
As if "character" was some kind of immutable attribute you are born with.