You shouldn't, I agree with you, but what's the solution that works for everyone, not just the tech literate?
There doesn't need to be a solution that works for everyone. It doesn't matter how many barriers you put in place, people will always get scammed - so don't punish the other capable 85%.
There doesn't need to be a solution that works for everyone. It doesn't matter how many barriers you put in place, people will always get scammed - so don't punish the other capable 85%.