This is a big design mistake:<p>&gt; Do you really not have 10 minutes per month to review your transaction history?<p>You&#x27;re asking a loaded question here, with the intent of shaming people into giving dishonest answers.<p>The correct question to ask is: how many people carefully look through their credit card statements every single month?<p>My guess is that ~25% will say that they do and ~10% actually would catch inserted mistakes the first month.<p>To build successful products, you have to design for people as they are, not at as you think they should be in some ideal world where people are smarter, more virtuous, more rigorous, or have more time.