> This post seem to blame victims for the problem, and that is not fair. Indeed, the scammers are the bad guys. At the same time, what about people that still

> This post seem to blame victims for the problem, and that is not fair. Indeed, the scammers are the bad guys. At the same time, what about people that still fall for Nigerian princes or go through their spam folder for "sex in your area" or "penis enlargement pills"? > ...verified it would gather information from Google, Dropbox sign, the bank receiving the funds... While I agree that our banking system should evolve past the high-trust model that it has organically grown out of, this sounds absolutely dystopian to me. I would much rather live in a world where the resolution is "sorry, you got scammed, that sucks, learn from it" rather than "our corporate overlords will collaborate to ensure your safety." Even if real-time 2FA of fund transfers existed everywhere, people (including everyone in the right state, sure) would still click those things. Technology doesn't solve social problems.