I see. Well, not sure where to begin with on finding answers to many of your questions. A lot of SBI support I guess is based on trust. One thing I do know is that say I give someone support with SBI's, it does take a substantial amount before it really starts to benefit sender or receiver. I myself usually vet the receiver, and hope that they stay the course, but if not, I would not send any more and of course there are down votes.
So ultimately, each SBI sender and receiver are on their own but with the hope that each actor is responsible, and so on down the line. I think for the most part, SBI's have been good for the smaller accounts, and it is good to know that the SBI team does try to mitigate abuse.
Now with this recent news, who knows where this all goes... this could all be moot in a little while, we shall see.