no reason why both can't be true — the security is overall better, and companies are happy to invest in advancing this paradigm because it gives them more control
incentive can and does undermine the stated goal. what if the government decided to take control of everyone's investment portfolio to prevent the market doing bad things? or an airplane manufacturer gets takes control of its own safety certification process because obviously its in their best interest that their planes are safe? imposed curfew, everyone has to be inside their homes while its dark outside because most violent crimes occur at night?
