That is throwing the baby out with the bath water. The amount of fraud doesn't justify creating such burden on users. The problem is there is a market failure in the form of misaligned interests (the provider's best interest is to make the process as difficult as possible, not only to curb fraud, but also to avoid paying actual customers). This can only be fixed with government oversight and steep fines (so steep that they are more expensive than doing right by their customers).
zimpenfish|2 years ago
It's a system contracted out from UKGOV being administered on behalf of UKGOV. If government oversight worked, it would have worked already, surely?
frutiger|2 years ago
Misaligned interests don’t create market failures. Usually imperfect information or costs/benefits borne by third parties do.