Also in practice most people don't try to scam when there is any kind of barrier to prevent doing it long term and at scale. You could probably get many bags of

Also in practice most people don't try to scam when there is any kind of barrier to prevent doing it long term and at scale. You could probably get many bags of chip every year if you wanted to using their freshness guarantee, but you have to call them and explain the issue to a person. This alone is enough, I can't imagine anyone would fill out the paper work for loans and getting a car multiple times a month