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I can't trust Google will keep to that, sorry. Nor can I accept harms being twisted into a further centralised accumulation of power (especially when Google, with all their resources, could likely do much more to prevent these scams than grabbing that power for themselves)

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Well, the very good news is that Google is not seeking your trust. You have no say at all. This is the new system, it benefits actual real people over HN commenters and you will just have to deal with it.

Google doesn't have the ability to change the way banking apps work with regards to transferring money from one account to another in Malaysia/Brazil/Thailand. That would be a matter for the national Governments. This is the best approach available.

I'm aware I lack power here, but you seem to be trying to convince me it's a good thing.

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