Schneier points out an interesting article comparing modern cybersecurity to piracy on the high seas in the early 1800s. The article extends the comparison into projected action based on historical context. "Similarly, in many ways, current U.S. policy on the security of electronic commerce is similar to Adams' appeasement approach to the Barbary pirates. The U.S. government's inability to dictate a consistent cyber commerce protection policy is creating a financial burden on the U.S. private sector to maintain a status quo, when those resources could be used to mount a more-effective Internet-focused defense. In the case of financial fraud on the Internet, the costs associated with fraudulent transactions are currently borne by private companies, which then have to pass those costs on to their customers. This basically creates a system in which the financial institutions are paying a type of 'tribute' to the cyber criminals, just as Adams did to the Barbary pirates."