While that might be true to a degree, chances are that what is really going on here is that it is more profitable to externalize the costs of insufficient authe

While that might be true to a degree, chances are that what is really going on here is that it is more profitable to externalize the costs of insufficient authentication to unsuspecting people. While both result in higher profits, one does so by actually increasing the value that is being created while the other does so by making a third party pay, possibly even more than the increase in profit, so one of them is more efficient for society, while the other is just more efficient for the company but might still even be less efficient for society overall.