so dumb. so ineffective, so outta sync with the modern day human requirements, if anything it just exposures the short comings in systems. and don't get me wrong i like systems, but these do not adapt and serve the modern day human that runs lots of different threads at once. we need fraud protection sure, but we also don't need over zealos checks, i say hand that over to the nearest AI and search my social, ask for confirms from my blockchain buddies, ease the friction, hope you get it all sorted xx