So... you're saying its easy for the reckless and foolish to somehow overcome these steep barriers and understand what it takes to open while those who are competent are unable to do so?
I don't know whether that's true, but that's what s/he wrote. It's an easy enough to understand and plausible notion.
Bitstamp seem to be doing the right things but I doubt that they can legally operate in US or take transfers from/to US as they are doing.