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With 401ks and financial instruments in general, it's cut-and-dry: there's either a payment, or there isn't, and there's a whole accountancy industry that supports that.

With DMCA claims, it's an adversarial accusation with inherent unreliability built into the collection mechanism, usually submitted by third parties. The process doesn't lend itself to the same kind of auditability and accountability as securities and investments.



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