Kind of love the initial story in the article about 48-hour wait times.

I had a stint writing conferencing software for quite some time, and every once in a while we'd come across a customer requirement that had capabilities which were obvious to us developers "would be misused". As a result, we did the "Thinking, Fast and Slow" pre-mortem to help surface other ways that the system could be attacked (along with what we would do to prevent it and how it impacted the original feature).

If you create something, and open it to the public, and there's any way for someone to misuse it for financial incentive (especially if they can do so without consequence), it will be misused. In fact, depending on the incentive, you may find that the misuse becomes the only way that the service is used.