None of the examples in the article even hint Microsoft products need to be involved, let alone as the sole source to trace scams down to using. It certainly pl

None of the examples in the article even hint Microsoft products need to be involved, let alone as the sole source to trace scams down to using. It certainly plays a part but so do the same sorts of things you say don't have any problems. I.e. it's not really a tech focused problem, though tech may be able to help some still. Another question is how much of a problem it really is vs the options. 3.4 billion is a lot but in terms of US retirement savings it's also not really a lot at all. That can sway how much it's worth trading off in a solution.