Why wouldn't it be a pure win-win? I see no way that we could 'magically' eliminate fraud, so getting rid of or reducing fraud would simply be the result of the

Why wouldn't it be a pure win-win? I see no way that we could 'magically' eliminate fraud, so getting rid of or reducing fraud would simply be the result of the "forced innovation" you're talking about. Disease forces innovation as well. The eradication of polio in much of the world is not a lost chance for innovation--it is a success story.