Although it can be a pain, I am grateful that the banks intervene to confirm unusual or large transfers or credit card purchases.
If people ignore that intervention they have only themselves to blame.
We live in a society where individual freedom is the norm - no matter how dumb some individuals are. The alternative is a society in which freedoms are won only by demonstrating (exams, interviews etc etc ??) that an individual is capable and able to take responsibility.
The latter approach would deny 50% + the right to manage their own finances and cause an outcry.
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