[vkou]

1. It's not my job to tell a bank how to not get defrauded. That's their problem.

2. If they are stupid enough to lend/send money to random people over the phone, that's their problem.

3. If they don't have enough branches open to support in-person services, which forces them to turn to over-the-phone work, that's their problem.

There's many other things they could do. Snail-mail identity confirmation, partnering with FedEx or another bank whomever to attest identity, etc, etc. It's not my problem if they are too cheap to operate branches, and too lazy to do any of those things, just like it's not my problem if you keep a chest of gold coins in your unlocked shed, and then go on to tell everyone about it!

[quesera]

> That's their problem

And yet, it's totally your problem.

All of our opinions on whose problem it should be, are worth nothing.