"Deciding on filling in “more where needed, less where possible” should be a shared responsibility of the ecosystem. It is possible to agree on where more focus is required, but the minister also expects the ecosystem to decide on where gatekeepers such as banks can scale back. For that the ecosystem needs a collective risk acceptance — one that holds if risks materialize — and creating that in practice is difficult; discussions often turn towards ‘missed elements’. And we know now that building a system that strives for not missing anything, is not sustainable and not desirable. Moving towards choices in proportionality, and saying what to focus on more — and what to do less of — reveals trade‑offs; it exposes potential downsides of those choices and this can feel counter intuitive and that’s what makes it so difficult for all parties involved. In addition, the explicit risk acceptance and can be quite confidential. Finally, we need proper guardrails for data sharing to make all of this work.”