Those are too different statements. As in the first is "all poor make bad decisions all the time", while the second "some poor have made bad decisions sometime in the past".
The problems start once your package is in their warehouse. Sometime they increase the price, sometime they keep asking for more and more proofs of identity, income, address. Sometime they refuse to accept documents not verified in an US embassy in your country. If you refuse their demands they keep/steal your package. Just go on a few review sites and search for Shipito.
Cameras are so cheap that practically every shop has them. Voice, face, body recognition are getting better by the week and can be run on all recordings.
Because it's distributed (NasDaq going bankrupt won't kill it) and all changes are in the open (no rogue employee stealing your shares). Sure you can achieve more or less the same thing with a relational DB or by drawing sticks on a piece of papyrus.