Re: the transaction limit has (so far) proved an effective disincentive against fraud
mod-up. For example in American bars you can run a tab - and drink until you pass out.
Hence, I pay for my drinks one at a time so it is much easier to stay inside one's limits.
For those of us who grew up in the UK, I think that may be the origin of "drinking in rounds"?
The practical effect I propose is "synchronised inebriation".
A sport the UK could excel at in the new Olympics...
P.