I'm guessing they see enough fraud that such a system quickly paid for itself. Still on the fence whether the creepiness is worth it, though. Seems like there

I'm guessing they see enough fraud that such a system quickly paid for itself. Still on the fence whether the creepiness is worth it, though. Seems like there are easier alternatives like "graylisting" where a transaction is in a pending state for 2-3 days where it's cancellable (and maybe can be expedited with a phone call). Seems like that'd offer a nice middle-ground between scanning your computer and protecting from scammers.