> I don't even understand how a title transfer could happen without verifying ownership.

Centralized vs decentralized isn't relevant.

The issue is that nobody wants to have one of the icky humans in the loop because they have the temerity to ask to be paid a salary.

Consequently, everybody tries to set up systems where everything can be done online with no in-person interactions ever required. This works, sorta, until the fraudsters start figuring out the seams.

But because you would have to give some icky human cash, everybody is fighting tooth and nail to revert back to having any humans moderating the problems.

The correct solution is to call this kind of thing what it is--fraud--and treat it as such. And the proper point for the liability are the companies and agencies that do nothing to prevent the fraud and not all the poor slobs.

A couple of nice big payouts where banks or agencies have to cough up to make everybody whole due to their negligence and suddenly all the systems will get much more stringent.