That's fine, it would motivate large companies to develop alternative techniques to mitigate fraud which could benefit smaller as they could implement them. I

That's fine, it would motivate large companies to develop alternative techniques to mitigate fraud which could benefit smaller as they could implement them. I'm tired of these giant companies having their cake and eating it too. These companies have structured themselves in such a way that it's win-win for them, and lose-lose for the customers and smaller businesses around them. With great power comes great responsibility.