Dismissing fraud as a problem makes it sound like there’s no tradeoff here. I think we all know that in real life, fraud actually is a pretty big problem? Thoug

Dismissing fraud as a problem makes it sound like there’s no tradeoff here. I think we all know that in real life, fraud actually is a pretty big problem? Though they’re self-interested, I expect that banks know it too. It doesn’t mean you shouldn’t be able to export your data, but this is a sensitive operation that maybe shouldn’t be too easy. People are definitely going to be tricked. The individualistic, libertarian assumption (that customers are responsible adults who know what they’re doing) is known to be false by anyone who has worked in a customer support role.