Last year Australians reported losing AU$20 million to phishing attacks, and AU$318 million to scams of all types.

It stands to reason that financial service industry peak bodies are in conversation with governments and digital service providers, including data providers, to try to better protect users.

There are obvious conflicting goals, and the banks / governments can’t really appear to be doing nothing.

And technical users are probably most certainly lacking a representative at the table, and are the group that has the least at stake. Whacko fringe software-freedom extremists, they probably call us.

Does that mean that the Google and the government are taking full legal liability for protecting me from scams?