Try reading the full post dean. Don't just read what you want to read and answer what you want to answer. Not everyone was born with a silver spoon in their mouth, nor have the scammed of the damned have money to lose. Maybe you have, and it's all come easy for you but this is the real world and people here are being scammed left right and center and work a little harder for their hard earned cash.
To state the obvious, it's easy for you to judge people but you have left many of my "common sense" suggestions unanswered. Implementing a system isn't going to be easy, I never said it would. where would the fun be in creating something that comes all too easy hey? solutions, find a solution and your half way there.
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