Final answer:
The most appropriate characteristic that an ethical predictive model needs besides being accurate is 'D: Explainable.'
Step-by-step explanation:
The question revolves around the characteristics that a predictive model must have in order to be considered ethical. The most appropriate option from the choices provided is D: Explainable. This is because an ethical predictive model needs to be not just accurate, but also transparent in how it reaches its conclusions. It should provide clarity about why decisions are made, which involves providing insights into the model's mechanics to the stakeholders.
A moral theory, as the context suggests, requires a logical foundation and consistent recommendations. Similarly, for a model to be trustworthy and fair, it must incorporate these aspects. Explainability ensures that the model isn't a black box; thus, it provides a framework for understanding and justifying its predictions and recommendations.
Precision is a key characteristic of predictive models, as they need to accurately describe and foresee changes. However, to be ethical, a model must also interpret facts and assert what should be the case—therefore, evaluating more than just statistical accuracy. It needs to consider the larger context and implications of its usage, ensuring it is good, just, and fair.