The problem is if they take on that responsibility then if someone loses money to a phish are they liable for not taking it down fast enough? No, I am not kidd

The problem is if they take on that responsibility then if someone loses money to a phish are they liable for not taking it down fast enough? No, I am not kidding you. You pay tax for your law enforcement to do this. They can easily automate legit legal take down requests. Why can't your cops enforce your laws? Why do random companies have to come up with inconsistent rules,process and response? It's nice to have someone to blame but if hollywood can go after DMCA law enforcement can also go after cybercrime -- it's their job! Oh, and I did not make them out to be poor companies. My concern is that I don't want these companies anywhere near being responsible for take downs of user generated content what is harmful needs to be defined by lawmakers and enforced by law enforcement not by facebook and cloudflare. You're asking a store owner to inspect patrons for criminal behavior and kick them out when you should be calling 911 to get them arrested. The business owner can and should kick them out but the responsibility of enforcig that law is with cops.