A veteran from the early PayPal days recently reflected on Elon Musk's insight about system integrity: implementing robust anti-fraud measures inevitably triggers the loudest pushback from those operating schemes in the shadows. When you tighten controls against fraudulent activity and grifting, the people most vocal in their complaints are precisely those whose operations would be exposed. It's a useful lens for understanding resistance to security upgrades in financial systems—genuine users rarely object to stronger protections, but bad actors? They'll make their voices heard immediately.