Kirk Job Sluder <kirk at jobsluder.net> writes: > I'm more than happy to agree to disagree on this, but I see it > differently. In aviation there certainly is a bit of risk-benefit > analysis going on in thinking about whether the cost of a given safety > is justified given the benefits in risk reduction. > > Likewise, credit companies are currently making money hand-over-fist. > If an identity is compromised, it's cheaper for them to just close the > account, refund the money, and do their own fraud investigation after > the fact. You don't get it. Refunding the money improperly charged on a single card doesn't begin to compensate for the hassle of undoing an identity theft. If airlines worked the way you're suggesting the credit industry should work, and a plane went down, the airline would be off the hook by refunding your estate the price of your ticket. It's only because they face much further-reaching liability than that, that they pay so much attention to safety.
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