23andMe changed its terms of service to prevent hacked customers from suing

You can very much be slapped by the judge and/or the ABA for doing that. I think there's certainly an argument that the bounds on a frivolous claim/motion are too narrow and/or the penalties are too low, but there are mechanisms to prevent that. From Livingston v Adirondack Beverage Company (1998)[1], a frivolous claim/motion occurs when:

> (1) "the 'factual contentions are clearly baseless,' such as when allegations are the product of delusion or fantasy;" or (2) "the claim is 'based on an indisputably meritless legal theory.'"

From there, the court can dismiss the case or order the offending party to pay reasonable expenses to the defense. The court can also sanction the offending lawyer, penalties vary by jurisdiction. In Federal court, this is governed by Federal Rule of Civil Procedure 11. There aren't any hard limits on the court's power to sanction lawyers in there; it's whatever they think will deter the behavior. A quick search showed sanctions under Rule 11 reaching up into the millions, though commonly much lower.

> The ABA is, indeed, one of the protectors of the legal system, and have no vested interested in undermining it. The system means their constituents, lawyers, make more money.

I'm dubious that they are stupid enough to think that, and it does not line up with what I know from the lawyers I know/have known. The ABA has an incredibly privileged position that they can really only maintain through self-regulation. It's a private group that regulates who can represent people in public court; their position is tenuous to start with.

I think of late they may be over-emphasizing a lawyer's duty to vigorously defend their client to the detriment of some of the other ethical rules. I can see how they get there; of course as a defendant you want your lawyer to do everything to protect you, even if it might be a tad shady.

Perhaps the courts need to fire a warning shot that the ABA needs to course correct. I truly doubt the ABA is stupid enough to try to buck the judicial system. They are and always have been subservient to the courts. Watch a lawyer get chewed out by a judge sometime; they just have to sit there, take it, and say "yes, your honor" at the right time (god forbid you forget the honorific while getting chewed out).

> Footnote: The mistake you made is that 23andme isn't undermining the legal system, but rather, justice. The two are not the same.

The legal system purports to be an implementation of justice. The two are not separable, at least not without the legal system committing ritual suicide by telling the public that the two are separate. I'm not arguing that our legal system is just, but rather that they purport to be and that external appearance is integral to their legitimacy.

Openly acknowledging that the legal system isn't interested in justice would be a huge blow to their public support, which is effectively the only power they have. A populace that doesn't believe the legal system is just might as well just hand those powers over to the executive. It won't be just either, but it'll be swifter.

1: https://caselaw.findlaw.com/court/us-2nd-circuit/1286266.htm...

There is the "trust" component first: in your request, you list all your credits and the fact that you have failed a payment. Then you provide the bank with your last three bank statements and your salary. They match the money movements with what they expect to see (a salary coming in, a payment going out, ...)

Finally, there is a centralized database of failed payments.

It works well, we do no have special problems with credits and how they are paid off (what helps is that there are compulsory insurances and protections for the credit-taker)

You can. The bar is very, very high. It's adequate to have a fig leaf of plausibility.

> In Federal court, this is governed by Federal Rule of Civil Procedure 11.

I am most concerned about lower courts, and especially the lowest of the low. Go into a family court at some point, and see the lawyers lying and throwing around allegations they know to be false.

> Perhaps the courts need to fire a warning shot that the ABA needs to course correct

They very much need to do this.

> I truly doubt the ABA is stupid enough to try to buck the judicial system

I think there is a mistake here:

1) Judges are mostly lawyers and in ABA culture. It's not clear they'd want to buck the system.

2) There is no plausible alternative. The populace won't hand those powers over to the executive, since we have a constitution (and we're all indoctrinated into separation of powers since little kids, and even so, it's a good idea even with corruption in the judicial). The ABA's position is secure. For the ABA (not an individual lawyer) to be scared, there would need to be a plausible threat.

3) Being corrupt is the opposite of "openly acknowledging." By far the best thing we can do to address corruption is to openly acknowledge it, and then when things don't improve, to point fingers at the bottlenecks.

> there is a centralized database of failed payments

exactly what I assumed, and pretty much the same as how the US credit-check system works.

of course you have a score, it's just implied rather than explicit. how many missed payments? how much were those missed payments? that's the score.

> an implicit trust in your declarations

...but we still look you up in the central database ;-) sure, we trust you