Comment by kelnos

That's incomplete, though. The business running the computer system would bear all the costs in attempting to target 100% uptime.

Targeting zero payments fraud does mean the business has to bear the costs of the fraud prevention measures, but their customers also have to bear intangible costs, like the annoyance of a detailed, invasive know-your-customer process before being able to buy anything.

But if I'm a user of this computer system that targets 100% uptime, I don't have to see any of the downsides/costs that the business incurs to try to get that uptime. I just see great uptime, and it's all rosy for me.

I think it's important to acknowledge that, in pursuing lower (or zero) fraud, both the business and its customers have to bear costs related to that goal.