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In accordance with section 1 C of the Steam Subscriber Agreement, you are fully responsible for all actions on your account, no matter who used the account. This includes actions that occurred as the consequence of fraudulent account access by phishing or malware, be it input relay, session token theft or any other method that granted a third party access to your account.
If people stubbornly keep using third party sites that phish people, then that's their problem.
How exactly, would the person have gotten into the account? Not clicking unknown links, not clicking "vote for my x / y / z", not believing "accidentally reported" or "pending ban" with an account saying you need to send it to one of your own, or a "Steam rep" is obvious signs of bans.
Basically; if a site or person wants your login or personal info, it's a phishing/scam attempt.
Phishing generally relies on greed like skin/trade/gambling sites asking for your steam login, or fear attempts like "accidentally reported" or "pending ban" scams.
Phishing is easily prevented by not accepting random friend invites, not clicking links from random DMs, putting the inventory or profile to Private, not "voting for" anything via links sent, and especially not using a steam login outside of steam. It's a very basic low effort attack, that even a decently-enough individual with common sense of internet security/account security can avoid id.
Teaching children begins at home, the adults are in control of all payment methods until a child is old enough to obtain a job/their own payment method. One of the main issues is people want regulation instead of education; educated users are typically common sense users, so teaching children self-control, the worthless nature of most digital-items, and security practices is on the parent/guardian. Government/other regulations should not replace basic responsibilities of parents especially when a parent is worried about a particular thing, they should teach about it.
There is also Steam Families
Safer begins with the parents teaching their children basic internet security practices if they're worried about basic internet issues.
Because some people don't want solutions, they just want to be mad at something.
this actually sounds exactly like moderation and steam suggestion hub, steam doesn't want solutions, the moderators just want to be mad at something so they pick on the innocent posters.
as for the trade and market we all know what a scam it is, why is steam feeding the scam?