@mischievoustomato @keira_reckons @djsumdog @Owl Yeah, I agree with this.

You have to make sure there's a balance. Right now the balance looks something like "if you realize you got scammed in a week or two, and you call the bank, you can usually get out OK." That's a pretty good balance for most people: it lets grandkids keep their naive Grandma and Grandpa safe from stupid shit when they notice it, and it keeps people from having to deal with way too much bullshit in their daily lives.