[valenterry]

> Ideally, sure, but the reality is just that some entities are not only reputationally, but also legally required to bear the liability for account takeovers.

Seems like an absolutely rare edge case to me. Or maybe even just a misunderstanding. I doubt there is a law that says that. If anything, I could imagine a law saying that a company has to take "sufficient precautions".

But even if what you say were to be true - that's not something to solve with tech. That means the law should be changed.