> I'd hope the system would absolutely tell them "tough shit"
So the more vulnerable you are, the more likely the system should fail? A critical system is poorly designed when it is more likely to fail when its function becomes more critical.
Most people don't have problems because they are lazy, but because they have serious problems. Consider people with mental health issues, costly diseases (e.g., alcoholism), disabilities, people who are old and not functioning well, etc. If an elderly person is scammed out of their money, I don't feel 'tough shit' is a good response.
So the more vulnerable you are, the more likely the system should fail? A critical system is poorly designed when it is more likely to fail when its function becomes more critical.
Most people don't have problems because they are lazy, but because they have serious problems. Consider people with mental health issues, costly diseases (e.g., alcoholism), disabilities, people who are old and not functioning well, etc. If an elderly person is scammed out of their money, I don't feel 'tough shit' is a good response.