So, according to you, this system is perfect in theory, but it doesn't work because of ''noncompliance''.
Then, for example, I have a system that's perfect in theory, but won't work because of noncompliance, too: nobody scams anybody, everybody's nice and honest.

Perfect! But noncompliance won't let it work. It may be caused by anything, but it is the reality. Would you, perhaps, want a system that works in reality? I know I would!
In reality this system fails, even you said that ''it doesn't perform as well as it should'', while people who actually deal with it are telling you that all it does is bad.

Can somebody clearly, simply and briefly list it's pros and cons, as they see them? By that I mean not the reasons it was implemented, not justifying it with the strange desire to be responsible for what other people do with their money, but actual advantages(and maybe disadvantages) of having this system over no system at all.

I'm not necessarily saying that there should be no system, but I think it is important to make people understand, what you want your system to accomplish and what you think it accomplishes and how. Because to me, and not only me, but a lot of people involved with selling tc, this system seems like a useless nuisance.

Also, can we agree that people should be responsible for how they use their own money? Because I still think that staff shouldn't bother people at all with policing their usage of their own money. Yes, they might get scammed, but that's the risk that they choose to take.