> A false allegation is fraud. This part is not the problem. The problem is that if you're falsely accused, it's on you to prove that you're not a horse, which

> A false allegation is fraud. This part is not the problem. The problem is that if you're falsely accused, it's on you to prove that you're not a horse, which will require enormous effort or an unusual foresight. A similar thing to the problem in US of stealing identity. If somebody impersonates you and takes a credit in your name (and you have no control over that, because your personal data could have been lost by some Equifax), suddenly it's your problem to fend off debt collectors.