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A comment on Crazy Thin ‘Deep Insert’ ATM Skimmers. Parent comment
And the public eat the inconvenience of having fraud transacted on their behalf.
Why merchants don't insist on C&P isn't clear, though I suspect that distributed liability, ignorance, disaggregated political voice (see Mancur Olson's "Logic of Collective Action" <https://www.thoughtco.com/the-logic-of-collective-action-114...>), as well as asymmetric cost/benefit incentives between specific retail points-of-presence (store managers and franchise owners) vs. corporate purchasing and policy (see the McDonalds ice cream machine fraud <https://www.wired.com/story/they-hacked-mcdonalds-ice-cream-...>. Multiple HN discussions: <https://hn.algolia.com/?dateRange=all&page=0&prefix=false&qu...>.
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And the public eat the inconvenience of having fraud transacted on their behalf.
Why merchants don't insist on C&P isn't clear, though I suspect that distributed liability, ignorance, disaggregated political voice (see Mancur Olson's "Logic of Collective Action" <https://www.thoughtco.com/the-logic-of-collective-action-114...>), as well as asymmetric cost/benefit incentives between specific retail points-of-presence (store managers and franchise owners) vs. corporate purchasing and policy (see the McDonalds ice cream machine fraud <https://www.wired.com/story/they-hacked-mcdonalds-ice-cream-...>. Multiple HN discussions: <https://hn.algolia.com/?dateRange=all&page=0&prefix=false&qu...>.