[jcroberts]

I wish it wasn't such an unpleasant shock for so many people, but very few people even think about how something actually works and the risk models being used. In the case of paypal Max Levchin (sp?) created a brilliant fraud detection (risk analysis) system, and also made sure to mitigate risks to his company by making sure someone else could be put on the hook when something goes wrong (i.e. why they press so hard for direct access to your bank accounts). Even though it is a brilliant design, and a profitable business, the entire company is dubious because it profits from putting normal people (users) at risk without ever informing them of the risks.