Another oblique example of the Peltzman effect: make something less risky (purchase) and people will take more chances (in this case, purchases they might not otherwise have made due to worries about an untrustworthy vendor, questionable product quality, or just buyer's remorse.) Same goes for credit cards that have strong chargeback and false-charge protection policies. If you know there's virtually no risk, you'll make that purchase you otherwise wouldn't. Very important for enabling things like online commerce to happen initially (and probably allows it to continue as it does.)