One other reason I could see is pure idiocy. Like I’ve seen that there is a bias to using every feature some software has, and if a max limit can be set, it will be set, to a “reasonable” value.
Imagine having to contract with a company in order for them not to fuck your life up with your own data. This is ridiculous.
Interestingly, the EU is moving in the other direction, with many places requiring that you accept card payments, with cash being optional.
One other reason I could see is pure idiocy. Like I’ve seen that there is a bias to using every feature some software has, and if a max limit can be set, it will be set, to a “reasonable” value.