No.
Just because YOU have not had a problem, does not mean the problems do not exist.
No.
Just because you may not have had issues TIMING YOUR TRANSACTIONS -- does not mean this problem does not exist.
No.
Just because you have enabled verifications on those levels, does not mean the problems do not exist or that the "terrorist" spin is going to hold up.
Gov'ts are actually the biggest terrorists going, from a clinical definition.
You kinda sound like the bureaucrat or statist that is enabling the excuses and ineptitude, the rest of us are trying to get away from, and holding people/companies to account and demanding decent service for fees paid and related transparency.
No.
Your arguments do not hold up here.