Ironically, fraud. They have done substantial financial and "real" harm by pretending to be competent at things that they are clearly not, and have been a combination of remiss in their duties and complicit in the crimes of fraudsters.
Sufficiently advanced incompetence is indistinguishable from malice, and should be prosecuted as such.
Years ago I bought a tv. Clear on the other side of town. When I got home I had a message from the fraud dept about charges. I called them up to explain I did in fact buy that tv.
They weren’t calling about the TV. They were calling about the car wash I stopped to get near my old neighborhood on the way home. For $8. Wat.
And for a while they would flag me every time I went on a road trip or travelled, because they pegged me as a non traveler. I travel, but quality over quantity. And you’re basically psychologically fencing me into a profile you’ve written about me that’s wrong by punishing me every time I step out of it? Fuck you.
Sufficiently advanced incompetence is indistinguishable from malice, and should be prosecuted as such.