I'm far more concerned about above the table stuff. It's trivially easy to get your money back as the result of fraudulent transactions or undo any other harm

I'm far more concerned about above the table stuff. It's trivially easy to get your money back as the result of fraudulent transactions or undo any other harm that far away criminals do compared to appealing your way out of whatever harm you suffered as the result of some BigCo or government agency's half-baked attempt at cross referencing.