> A transaction that fails on three or four of them is almost always fraud. A transaction that fails on one might be your grandma being weird with her debit card on vacation.
The article states that the particular item is a clear sign of fraud. If that was true, then it should be treated in a special manner. A more paranoid bank could enforce it without adhering to this guidance of multi-factor detection.
It isn't though, so balancing it with other rules is fine.