The original article has a quote from one person who sees through the mess to the root of the problem:
The revision "doesn't resolve the underlying geophysical issue"
Simply resolve the "underlying geophysical issue" and the problem will be solved.
Agreed! I was surprised Photoshop Elements wasn't mentioned earlier in all these replies. It writes data to the files and also stores it in a db, so you get the best of both worlds: your photos are portable, with all their info, and as a bonus for you tech guys and gals, you can hack the SqlLite db it uses.
However I don't believe it does non-destructive edits, if that's important to you. Personally, the fact the Picasa doesn't write the edits to the file is a dealbreaker for me.
I'm sure these were as far the the bank could tell proper and secure transactions.
Based on what? That the thief had the routing and checking account numbers? Those numbers are so easy to get it's equivalent to no security at all.
How about if automated clearing house transfers only worked if you'd authorized the payee in advance?
This would probably mean some practices would need to change, but isn't that better than what we have now, where anybody you've ever written a check to can scoop money out of your account any time they want?
An authority is a person who can tell you more about something than you really care to know.