Comment by eviks

Are you not aware of cases where marks physically went to the bank, withdrew all cash and dropped it off to the criminals, also taking out loans and yelling at bank employees when they were trying to stop them? No app involved.

You'll always find individual cases where people do extremely dumb stuff, but using that as a justification is also dumb. If you want to significantly curtail that freedoms of a large group, it's on you to come up with a good evaluation of tradeoffs, so

> the community needs a better response to this problem than "nuh uh, everything's fine as it is."

They already have, but you choose to use a fake simplification as a representative