> Citation needed. I'm wondering as well. My guess: these practices are not mandated by law, but by industry "standards" that are part of contractual agreement

> Citation needed. I'm wondering as well. My guess: these practices are not mandated by law, but by industry "standards" that are part of contractual agreements, and required by a customer or an insure company, for example. Some of those standards are good, some are a pure product of bad bureaucracy...