alt Hacker News#2 doesn't scale. If you guarantee access to a human, the system will absolutely be effectively DoS'd by scammers trying to social engineer their way into access to someone's account.
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criddell • last Thursday at 4:28 PM
If the companies are too big to provide reasonable levels of support for their users, then the companies are simply too big.
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Not if you require physical presence. If you have to turn up in person at a local branch office with identifying documents, then you've greatly limited opportunities for scams. Fraud is still possible but it doesn't scale.