Final answer:
The major limitation with adjustable algorithms is users making selfish decisions, reflecting human nature's complexity, where both self-interest and social considerations play a role.
Step-by-step explanation:
A major limitation of using explainable, adjustable algorithms is that users tend to make selfish decisions. This issue arises because humans, while they sometimes use cognitive skills to make decisions and act altruistically, also often rely on heuristics, which can lead to prioritizing personal benefits over the collective good. It is recognized that humans are selfish by nature to some extent, and individual incentives can sometimes cause harm, reflecting a complicated blend of self-interest and social consciousness in decision-making.