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I didn't say no further damages. What I said is you need open weights to defend against a villain because otherwise you have no weapons and they will have asymmetrical tech capabilities over you.
If you want someone to take responsibility over your safety against a third party you're going to have to contract them. Everything you get for free comes with zero warranty, including advice you didn't pay for. I'm personally not an insurance or security company, we can definitely develop best practices here on SN if we collectively want to.
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moneylife resources.