Removing wearables from physiological monitoring also removes their supervision: the signal indicating where and when a stress response occurred. Contactless stress sensing therefore becomes a weakly supervised evidence-localization problem, where a clip-level label must be traced to the body regions and moments that produced it.

We address this with FABLE-Therm, a weakly supervised architecture that preserves localized evidence across body regions, time, and encoder-specific representations until the final decision. FABLE-Therm fuses frozen foundation-model encoders at the embedding level, with theory explaining why localized fusion can outperform feature concatenation and prediction averaging.

We study this problem in opioid use disorder (OUD), where stress is a major relapse trigger and sustained wearable use can be difficult during early recovery. Using fixed thermal video, FABLE-Therm achieves 0.938 AUROC on held-out participants, and its learned representation transfers to self-reported craving, providing, to our knowledge, the first evidence that craving can be recovered from contactless thermal video.

Localized evidence also enables participant-level analysis of deployment failure. We find that improving representation alone is insufficient for equitable deployment: additional data from the underserved group would recover only about half of the cohort gap, while the remainder reflects person-to-person heterogeneity.

This modality-agnostic decomposition applies to models with identifiable subpopulations. Together with the first cohort-structured contactless thermal OUD benchmark, our results show that preserving localized evidence supports both accurate sensing and principled analysis of who a model fails and why.