[gonzo41]

I would think the strategy would be to encourage low impact fraud with lazy compliance and making a customer whole (Credit card chargebacks). And then hunt out and destroy high impact fraud.

With the intent to incentivize and train criminals to stay small and low impact.

If you're a retail platform, and you have a few scammers making a few grand of 20-100 dollar scams. You can play wack a mole with them and then that keeps people doing that small fraud rather than leveling up and potentially doing crimes that could endanger the whole business with the exposure.