Serious question to banking expert is the physical signature really useful for forensic? I always just doodled through in most offline credit card transactions and cashiers never check as well
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Solemnization is valuable because it avoids the following two scenarios: "Bob you owe us money." "I've never had an account with you." "Here's a statement." "Never heard of it." "Here's your signature on a piece of paper. Think carefully about 'not mine' in front of judge."
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#2: "Corporate Inc., you owe us money." "We do?" "Yes Bob signed for it." "Bob doesn't have authority to bind us to contracts." "Bob signed for it *on letterhead*; you can deal with the HR issue at your leisure but our invoice is good."
End of conversation
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