It’s definitely not a perfect system and you’re absolutely right that it significantly favors people with strong support and safety nets, especially those of a financial nature.
That being said it’s a very easy shorthand for a company to take and is reliable enough to keep using it, just like how financial institutions in the US use SSNs as private identifiers because it’s easier and cheaper than running and supporting their own systems/assessments and mostly works well enough
I think it applies equally, the fallen victims will be held up and honored no matter what they had done, the shooter will be an evil antifa devil no matter who he was, and Trump will be the barely escaped Messiah no matter if this was a lone wolf attempt or a conspiracy