I mean…the answer is that their business model is risk management with a small side of payment processing. Imagine if they didn’t have to fight fraudulent or i

I mean…the answer is that their business model is risk management with a small side of payment processing. Imagine if they didn’t have to fight fraudulent or illegal activity… As a result, it’s easy to see how a culture of suspicion, self-protection, and user-hostility could develop even if no one at the organization wanted it that way.