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How is the Google way not even more so "moving as much of the burden and repercussions onto the consumer as possible"? They let fraudsters kill your accounts just so they don't have to take any liability or staff humans.

I've said this and will say it again, Google doesn't know how to deal with humans. They've failed in every endeavor where humans have to be in the loop.

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I was going to say this but then I realized that what was meant by consumers was of course the people buying the services from the people whose accounts are cancelled. So the argument is that in the credit card world it is harder to cancel the accounts of scammers, and the people who buy from them must suffer more.

Not sure if I agree, and it does seem to me that Google's way is worse because at least there are some legal protections for people (consumers) who are scammed in the credit card way but in Google's way there is no protection of any sort for people whom the system dislikes.

Not to defend google but the problems they are having now to access their own google play are the same problem a scammer would have to go do it.

It does not look like a perfect balance, but they apparently err on the security side.

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