>> rely on denying blame by blaming customer carelessness and making the client bear this loss This very much depends on the type of customer. Consumers prett

>> rely on denying blame by blaming customer carelessness and making the client bear this loss This very much depends on the type of customer. Consumers pretty much can have their banking password tattooed to their forehead and suffer no repercussions. If you're an online merchant, it will nearly always be your fault.