Different perspective
Every marketplace has asymmetrical information. Some people simply know more than others. This body clearly knows more about this issue than Joe Lunchbox but how is Joe supposed to know if he is getting scammed? It appears that the whole system is screwed. The clerk doesn't have any latitude/ knowledge to make decisions but has a pile of pressure to perform. The business has to figure out how to deliver a profitable solution without missing something and causing negligence exposure so use a software package that errs on the side of CYA. The expert techs are more profitable doing other stuff. Joe's lack of knowledge about all things computer does not make him a charitable cause that a business has to support / donate to. I am not condoning the activity but seriously - how to solve?