60% of fraud is “friendly fraud” where you send your money to your associate (or make online card payment), call bank, accuse fraud and double your money. Alte

60% of fraud is “friendly fraud” where you send your money to your associate (or make online card payment), call bank, accuse fraud and double your money. Alternative demand money back from a completely fine product and delivery. With too much consumer protection friendly fraud goes up easily. People will scam the system other way around.