Some won't ask for details and just reject. Which of course sucks but they may view it as less risky than trying to evaluate the details and make a judgement call.

That said if you do go into circumstances - "I did it to get arrested and get a payout" could also be viewed as a red flag - says "may screw you/the company for money". Probably not the employee / tenant / etc you might want.

You don't even get a chance to explain it. Their background check software sees that you were arrested once, and discards your résumé.

You’d be more than happy to chat. They often won’t give you that chance.

I could see firms doing background checks not caring about those nuances or taking the time to consider why the individual was arrested.

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I wouldn’t rent my house to someone who has been arrested for memeing. It’s an unnecessary risk with absolutely no upside for me. What happens when they decide to meme on their landlord?