The "good reason" is that it's an extension of how banks have always treated fraudulent debits until you show knowledge of the Reg E dispute process, so it make

The "good reason" is that it's an extension of how banks have always treated fraudulent debits until you show knowledge of the Reg E dispute process, so it makes it outside of first-level customer support. And it won't be the end of free electronic transfers, it'll just mean acknowledging that those transfers aren't any more final than writing a check.