It sounds to me like what you're criticizing is one particular method of addressing the problem, rather than the general idea that we need to address the proble

It sounds to me like what you're criticizing is one particular method of addressing the problem, rather than the general idea that we need to address the problem. It would absolutely be reasonable to continue fighting fraud by recognizing that these things can happen, and taking steps to combat them, without tilting it as far as you have seen in favor of banks essentially confiscating customer funds.