Well yes, sounds great, but it doesn't really address the security problem. Now you've just got the bad guys getting two paychecks instead of one and the good guys getting one paycheck instead of zero.
1 to 2 paychecks = 100% increase.
> good guys getting one paycheck instead of zero
0 to 1 paycheck = infinity increase.
With a known baseline of "good paychecks", financial analytics can pursue identification of "bad paychecks".