Ian G wrote:
There may be support for this statement,
but I've never been able to find its scientific
basis, in cryptography, user design, nor in
economics.  In particular, the last 10 years
of experience only bear it out to the extent
that users were denied the chance to make
a choice.  So it may well be that the reason
they are not in a position to correctly judge
relative levels of risk is because they are
not permitted to do so.

Let's try and find an analogy. Users choose banks to deal with. One criteria they could potentially use in choosing a bank is what percentage of customers lose money through some sort of fraud (in a situation where the bank disclaims responsibility).


Now a user could try and find and collect statistics on which banks tend to disclaim responsibility in fraud cases, and which didn't, and on which banks tended to be targets of fraud, and which don't. But they don't do that. They choose a bank account based on the free Walkman and pen.

Gerv
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