> though I feel bad for saying it, I can't blame them. If some idiot roots their phone and downloads malware, the bank may be responsible for refunding them. I can see why they don't want that headache.
Most of us understand the desire to protect customers from fraud, but I don't think we should accept blanket restrictions on everyone's freedom simply because some people might make poor security decisions.
There's also the unspoken/uncomfortable economic reality here: the optimal level of fraud isn't zero. At some point, the cost of preventing additional fraud, including the loss of individual choice and autonomy, exceeds the benefit.
Could we aim for proportionate, evidence-based security rather than treating the least capable user as the benchmark for everyone?
Most of us understand the desire to protect customers from fraud, but I don't think we should accept blanket restrictions on everyone's freedom simply because some people might make poor security decisions.
There's also the unspoken/uncomfortable economic reality here: the optimal level of fraud isn't zero. At some point, the cost of preventing additional fraud, including the loss of individual choice and autonomy, exceeds the benefit.
Could we aim for proportionate, evidence-based security rather than treating the least capable user as the benchmark for everyone?