Once you understand that this is an internal policy tool for businesses and not a tool for enforcement, you'll begin to understand how fundamentally different Reflex is compared to existing products.

Reflex is closer to an approved vendor list than anything resembling a speed trap.

You make the internal rules. You apply them. Now it's easier to talk to a bank because you have proof that you didn't pay XYZ because you applied internal rules.

The point is enable more businesses to use lightning, not enable more enforcement actions.