And how would you "be more selective" and "keep scammers out" without incurring more costs? At some point, it costs way more to prevent the last 0.1% or 0.001% of fraud than would be saved by preventing said fraud. And the cost might be paid by non-fraud being detected as false positive.
"Ideal society" doesn't exist.
And how would you "be more selective" and "keep scammers out" without incurring more costs? At some point, it costs way more to prevent the last 0.1% or 0.001% of fraud than would be saved by preventing said fraud. And the cost might be paid by non-fraud being detected as false positive.