Are you saying that because MA offers a security measure without insurance you wont use it even if you know it adds to the security?
I not speaking against the gold card, but I am generelly tired of waiting for something I didn't even want in the first place and I don't need the extra security or the complications I may experience. I'm sure you've read some of those threads too.
Correct, MA don't guarantee anything. Just as an example, it would be so easy for someone to reformat the HD after a keylogger compromised security so as to remove any evidence of it and then claim that it wasn't their fault that they got hacked.
So, much as I dislike the idea that MA are unaccountable in these types of scenarios, it would be totally impractical for it to be any other way.
The GC is an extra level of security above your login name and password and, as Borr says, if you've deposited $500 or more it's a freebie!
Accept it for what it will do, don't bitch about it because it's not exactly what you want.
First of all I bitch when I feel like it, especially when it's about something important, which I do think this is.
Secondly, sure it would be easy to remove any evidence from your computer, but let's for a moment try and determine the real issues here.
Sure, someone might log in to you account and tt your modfap. That would really suck, but it is nothing that MA cannot handle, after all it is just pixels.
Of course there could be simular issues, but I actually only see one event that would really be complicated.
If someone logs in to your account and hand over your modfap to another player. MA would be in trouble trying to justify taking it bac from the player without evidence, however unlike it would be for someone to just give away a modfap.
Last scenario, which I believe is the important one, is if money is cashed out. MA know very well where those money end up, ip and mac adress is probably logged and so on.
This is no different that using and internet bank. usually if not always, your loss is covered. And the security in banks are often much worce that when using a GC.
I could go one, but what difference would it make?
In any case, those who feel they need the extra security should certainly get a GC, but they should also remember the consequenses if it fails, which may very well be worse than if you didn't have a gc, as MA would probably be convinced that YOU and only you are to blame, because of the marvelous GC.