i have figured out that you could decress the amount of money frauds by simply using a fingerprint id scheme. You could possibly do this in medc. To set it up , you put a finger pad device at every cash point machine so it can get more people set up . Also bying things ofline could occour if you get a usb finger pad plug in . this will stop fraud because there are no codes or cards involved . if you have a cut on your finger then this is why you will register with more than one finger. you could also put a finger pad device at a store such as halifax ect