Simple: because it adds friction, and the optional amount of fraud is not zero. https://www.bitsaboutmoney.com/archive/optimal-amount-of-fraud/ https://www.bit

Simple: because it adds friction, and the optional amount of fraud is not zero. https://www.bitsaboutmoney.com/archive/optimal-amount-of-fraud/ https://www.bitsaboutmoney.com/archive/optimal-amount-of-fra...