[neycoda]

Capitalism doesn't ensure good things for people, just maximized profit for the best marketers. You want good things? The government has to require it. Otherwise it'll only happen if it's under the umbrella of maximized profit.

[XenophileJKO]

Meh.. every time an article comes out someone says this. Definately more complex than that. Look at Amazon as a counter example.. the reason they dominate is the combination of better product and maximizing efficiencies of scale. Additionally.. they rolled "profit" into growth, netting consumers on a whole better selection and service.

It is almost always better for the government to create "incentives" than to create "requirements" anyway. Instead of "requiring" a text before transfer. It would be better to hold both companies that facilitate a transfer without the customers autorization to large liabilities. This allows them to create a mechanism to prevent this that is probably better.