This is a standard customer service trick - externalize the cost (time) and minimize business losses (disclosure of data). Make an action difficult enough to di

This is a standard customer service trick - externalize the cost (time) and minimize business losses (disclosure of data). Make an action difficult enough to discourage more casual users but stay within the legal limit. This is why checks take up to 14 business days to clear (to make a quick buck in those days), why you have to wait 30 minutes on hold "for the next available representative" (to discourage you calling in), and why most rebates are mail-in (in hopes that you will forget).