[solveit]

And I like how you immediately decided to alienate somebody clearly on your side pointing out a systemic problem by moralizing at them.

Flagging suspicious transactions and verifying that they're legit is costly. Spending money to reduce profit for the common good is humanitarian. It has little to do with being honest. If the bank does nothing, the bank doesn't lie, it just doesn't go out of their way to verify that other people aren't dishonest. And the fact that people view letting bad things happen by inaction as less bad (or even not bad) shouldn't be a surprise. It's just human nature. And when someone pointed this out, you decided they were Bad and Frightening. Because they said people will follow incentives in a well-known moral hazard scenario. Get a grip.