Square tried to minimize the impact that a human can have on the system: * Several people would have to be compromised * The people are geographically diverse

Square tried to minimize the impact that a human can have on the system: * Several people would have to be compromised * The people are geographically diverse * Subzero will refuse to redirect funds to anything but a Square hotwallet. * And, they specifically built the Beancounter system for auditing of these accounts.