Who Invented The Automated Account Checker?

Who was it, that thought it would be a good idea to let a computer decide how a human spends their money?  Millions of pounds goes missing through fraud every year, and the computer thinks that this is normal.  But, if a person decides that they want to order a new adapter for their laptop, the computer thinks that this is strange, and blocks their account.  This then leads to a frustrating telephone call, answering pointless so called security questions, just to regain access to your own money.  Suddenly spending hundreds or thousands of pounds on luxury items would be abnormal.  Spending a few pounds on an everyday item is not.  How does the computer know when things break down?  If it was that smart, it would already know that my laptop was in need of some attention.