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> The bank should offer some sort of e-learning training

People are stupid. Like, really stupid. The people who would get scammed even more so. This would not help, as these people would simply not listen or understand, no matter how patiently or simply you tried to explain to them.

> The bank cannot decide on your behalf what you do with your money.

Turns out they can (or rather, the government can decide on your behalf). What you're describing is libertarianism, which is not that popular generally speaking.




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