<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>potatolicious</author><text>&amp;#62; &lt;i&gt;&quot;When that happens, how will Google address fraud claims?&quot;&lt;/i&gt;&lt;p&gt;Presumably the same way PayPal handles &quot;personal&quot; funds transfers - they don&apos;t.&lt;p&gt;They&apos;ve specifically flagged this as between friends and family only, which is to say it comes with no warranties. PayPal also has a lower-fee version of their service for the same use case - you get the lower rate in exchange for giving up purchase protection.&lt;p&gt;This is also why when buying things online anyone who asks you to mark the payment as &quot;PayPal gift&quot; should be given a very stern sober second look.</text><parent_chain><item><author>B-Con</author><text>How is this going to be handled, as a money exchange system (&quot;yo, here&apos;s for covering lunch for me yesterday&quot;), or like a payment system (&quot;send your payment to shop@gmail.com&quot;)?&lt;p&gt;It seems presented as the former:&lt;p&gt;&amp;#62; you can securely send money to friends and family in the U.S. - without leaving your Gmail inbox&lt;p&gt;but people will assuredly try to use it as the latter. When that happens, how will Google address fraud claims?&lt;p&gt;Edit: Specifically, I mean, how will they investigate fraud claims? Will all transactions be final (easiest), or will they try to refund people who make mistakes (harder)? And what happens when a GMail account gets hacked?</text></item></parent_chain></comment><story><title>Send money with Gmail</title><url>http://www.google.com/wallet/send-money/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>gesman</author><text>If I&apos;d be Google - I&apos;d force senders to have 2-step authentication configured before sending money.</text><parent_chain><item><author>B-Con</author><text>How is this going to be handled, as a money exchange system (&quot;yo, here&apos;s for covering lunch for me yesterday&quot;), or like a payment system (&quot;send your payment to shop@gmail.com&quot;)?&lt;p&gt;It seems presented as the former:&lt;p&gt;&amp;#62; you can securely send money to friends and family in the U.S. - without leaving your Gmail inbox&lt;p&gt;but people will assuredly try to use it as the latter. When that happens, how will Google address fraud claims?&lt;p&gt;Edit: Specifically, I mean, how will they investigate fraud claims? Will all transactions be final (easiest), or will they try to refund people who make mistakes (harder)? And what happens when a GMail account gets hacked?</text></item></parent_chain></comment><story><title>Send money with Gmail</title><url>http://www.google.com/wallet/send-money/</url></story>