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Con
* Can only base rules on facts in existence, so "creative" thinking not possible
=== The artificial intelligence route ===
With modern computer systems capable of performing thousands of rules in real time, just think computer games, it is possible to build models that can adapt in real time. They can be exceptionally expensive to build and are often very resource hungry. Also letting a computer make a decision on your behalf without some level of control can be a dangerous business. it is important to note that it is still possible.
The way it adapts is to use the above data mining techniques in real time to see if the rules have changed. Using statistical tolerances it can change rule in real time if a better statistical result can be found.
Pro
* Real time adapting to situations
* Based on facts and not humans
Con
* Very resource hungry (CPU, disk speed, RAM available, network throughput)
* Very complicated to build (as the scenarios and tolerances need to be established)
* Requires trust and hand holding till it has proven itself as a model.