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Why is 'strengthen the system prompt to always verify identity' insufficient for the refund-account problem?

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Answer: B

Even a mandatory instruction fails some fraction of the time. With financial consequences, only a programmatic gate/hook gives the required deterministic guarantee.

لازمی ہدایت بھی کبھی نہ کبھی ناکام ہو جاتی ہے۔ پیسے کے معاملے میں صرف کوڈ کی روک (gate/hook) وہ پکی ضمانت دیتی ہے جو چاہیے۔

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