i'm fanatically against the burden of fraud prevention falling on honest people, rather than squarely on the dishonest. companies may want to externalize such

i'm fanatically against the burden of fraud prevention falling on honest people, rather than squarely on the dishonest. companies may want to externalize such costs on customers in the form of privacy invasion and dignity denigration, but as an equal party, the customer can choose to negotiate different terms. and no, small print agreements don't absolve companies of such negotiations, as those are simply risk reduction, not risk absolution, measures by companies. individuals are the atomic units of power, not companies.