Good points all around. I don’t mean to blame the victim, as they usually don’t know what they don’t know and aren’t party to the fraud, so they couldn’t begin to know, but informed users ought to know the failure modes. Insurance rates are surely a factor in the industry push for KYC, which is mandated federally for good reasons, but in edge cases like loss of funds, the little people are often blamed for being victims by faceless corporations because they aren’t able to say what caused the issue, due to federal regulations against fraud. It’s a conundrum.