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Pretty sure the hold is for steam's convenience and safety not ours... If it was for our safety there would only be a hold if you are using a new computer, have just changed your email, or just changed your password. As it is I would go with this keeps steam from having to refund anything.
The minimum they would need to do is make the sale cards exempt from the hold...that is all.
I would prefer to be given an opt-in for the hold garbage.
Valve's security measure implemented with the authenticator are first-class anti-malware protection measures my company uses similar mechanisms to protect from intrusion.
The aim is to make it not worth organised crimes time reducing the people even trying.
Complain all you want Valve will have no lack of experts to explain why these measures protect you to the agencies you complain to.
If a computer is so far compromised to be basically a bot/VPN, what is to keep them from logging into your facebook and spamming virus links to everyone? To logging into amazon/newegg and ordering all sorts of stuff using express shipping. To log into paypal and sending transfers that way. Is virtual currency (only useable within steam) really the best one can do with that kind of access? fyi ALL of these actions are quite noticeable if the owner of the computer happens to be watching the screen it when the bot tries to initiate the trades.
What I am asserting is that due to the lack of ‘news’ stories about it, these things DONT happen constantly, that all that happens is someone is drive by hijacked from a leaked password, which is then used by some russian VPN for a quick logon. This supports the theory that it is a simply either a keylogger or a compromised website which managing to borrow some credentials. I’m not saying it is impossible, I am just saying it is extremely rare.
What is more likely to happen with a bot/VPN, is that those bots become part of a DDOS or bitcoin mining swarm. Why risk losing your botnet sending facebook spam or buying from newegg, when you can mine real bitcoins for possibly years without leaving any noticeable symptoms on the poor saps computer. Untraceable and the money is irrevocable no matter how much money/legal/police power you throw at the problem.
That being said, a per PC session file would stop a keylogger AND a website hijack in its tracks, while being virtually invisible to the user (if its done right, there are no additional hoops to jump through).
As a side note, what’s to stop a bot from using your steam wallet to buy a game as a gift, add a 1 shot selling account to the friends list, gifting the game to that fake friend, and then selling the game via a cd key selling site such as kinguin? This entirely avoids the marketplace delays. It still gives person who compromised your account some money, AND is doable remotely without needing the cellphone. Its only flaw is you have to be able to sell it before the owner of the card attached to the wallet noticed it has been used and revokes the charge/gift (possibly getting himself banned?).
Yeah im sure FTC will help you fixing
with your non existing consumer rights to use the ccommunity market.
However PayPal and banks are less a target because their is an invisible several day delays during the transfers and agreements allowing reversal in the case of fraud which prevents profit under most conditions. Steam doesn't have an equivalent arrangement to unwind fraudulent transactions preferring this method instead.
Every malware has a target there are ones that do bitcoin mining (as they think it makes them the most for the effort they used), others steal credit card details, still others are aimed at Steam inventories.
Facebook attacks are more for spreading and tends to expose your malware so it is usually the last thing it does.