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"I don't think MU disclaiming responsibility for file loss automatically means the FBI should be able to come in and pinch them all without consequence."

I don't think this works. The files are gone because MU's business model resulted in law enforcement action. So arguably MU's responsible, though they disclaim liability for damages.

It's like if MU stopped paying their hosting services, and those services shut down MU's servers for non-payment. MU's customers wouldn't have any case against the hosting providers. The FBI case is similar.



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