I feel like this is where some kind of antitrust action is needed. On the one hand, it's completely understandable that e.g. a bank wants to rely on a mechanis

I feel like this is where some kind of antitrust action is needed. On the one hand, it's completely understandable that e.g. a bank wants to rely on a mechanism like SafetyNet to prevent fraud, but on the other hand it's taking away a lot of freedoms where alternatives could be implemented (e.g. let the user sign a waiver for specific risks which are usually covered by SafetyNet). There needs to be an alternative way to provide the same guarantees and functionalities to developers and end users, but without the required reliance upon a monopolistic entity.