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Yes it's sometimes rediculus with what regulated businesses can get away with as long as it's either historical or had been certified to be secure at some point in time.


I don't think this is a good argument.

The ACH network is orders of magnitude more secure than credit cards. And ACH transfers have simple recourse, when errors or fraud occur.


The alternative is oftentimes doing nothing and putting people out of work. You shouldn't proactively punish people for the potential actions of other unrelated people who might choose to break the law.




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