Who pays the costs of phishing? Is it mostly individuals or do corporations feel the pinch? Your analyses gets at the root causes, the bug fix that woukd stop

Who pays the costs of phishing? Is it mostly individuals or do corporations feel the pinch? Your analyses gets at the root causes, the bug fix that woukd stop the trouble tickets. Are the incentives there or the political will? It’s big. You’re getting into major league ball level public policy when banking regulations are involved. The problem must not yet be painful enough to drive the politics but maybe that day will arrive sooner or later. While this could stop the most lucrative form of phishing, it woukd still leave the other forms of phishing. And as @badrabbit mentioned there are other types of phishing (e.g., Malware delivery).