This. Couldn't agree more.

Instead of taking our concerns and trying to find alternative solution you're simply justifying the same old system listing its benefits and ignoring the flaws. We're not here "complaining" about how dumb staff is, we're actually listing what could be changed and even giving possible suggestions on how this could be achieved. The least you could do as a staff member responsible for this field is discuss the points brought up rather than try to justify your system.

I think diamond outlined very well why your points aren't very relevant to this system, especially the 3rd point. There is literally nothing you can do to stop a person, who has access to another account, to sell TC (unless you completely remove functionality of sending TC). There will always be someone who will be willing to take the risk of buying from illegitimate source with a benefit of a good rate. This system does not address such issues.