SHAP Is Not Production-Ready — And We Need to Stop Pretending It Is This might be unpopular, but it needs to be said: Most explainable AI setups are fundamentally broken in production. Not because they’re inaccurate. Because they’re too slow, inconsistent, and disconnected from the model itself. The uncomfortable reality In a real-time fraud system, I tested SHAP (KernelExplainer): ~30 ms pe