Re: Third party liability....
I partially agree, but there are basic things that can be done to make fraud harder at these types of places, and which are done in other places around the world. Probably the bigger question is why these things are not in place already at a legal level, but if you want to cut down fraud at the likes of Walmart, Moneygram, and Western Union, you can easily do the following:
- Only the person listed as the receiver, may collect the money (you'd be surprised how often this is not actually the case)
- The person reciving the money has to show photo ID, matching the name of the listed receiver, and the person collecting it. This ID is scanned and kept by Walmart, etc.
- A high definition photo of the person collecting the money is taken at the point of reciving the money.
- The photo and ID are available to police upon receipt of a warrant on a fraud complaint case.
Implement those points and suddenly the fraud will all but disappear, because people will not be happy about getting their face caught on camera, and their ID recorded when carrying out a scam.You might get a few mules caught who didnt actually realise they were involved in a scam, but then you can follow it up the chain.
Where you might have problems is with people not having ID's. I've heard it can be hard to get relevant ID's in the US, anyone able to comment? If so, having something to show who a person is, plus the high def photo, should be enough to discourage most fraud criminals. No one wants there face on America's Most Wanted do they? ;)
If Walmart havent implemented even that level of protections, then either a) they're negligent, or b) the law is negligent. Probably both...