Well, sure I'm concerned about fraudulent use. The number of placards/plates drastically exceeds the number of spaces nationally.
With the name and photograph readily available on the placard, we have zero need to carry or produce additional paperwork. Just move the sleeve (if used) if there are any issues. And I'm relatively certain civilians actively employed by a business can require proof that the right person is using the placard before allowing access to handicapped parking.
I am concerned about fraud - we personally have found all spaces full. Sometimes we've had to park far away in an area with many vacant spots and hope no one parks next to us so we can put our ramp down when we return. Other times, we've just left because we could not park.
I don't have any idea whether people were fraudulently parking there or there just happened to be a large number of people with valid parking permits there at the same time. It's not my right to judge.
I personally am glad that Minnesota does not include a name and photo for the security reasons I mentioned.
The name and photo can make it easy to identify the person and mark them as a vulnerable person who could be an easy target for crime, either in the parking lot (watch for the person in the picture) or in their home (sometimes Google is not your friend).
There are websites set up specifically for 'concerned civilians' to 'out' people they think are fraudulently using a handicapped parking permit. In some cases, their 'report' includes a photo of the vehicle and of the handicapped parking permit. People have been hunted down and harassed for that. In some cases, they were parking there because they were picking up the person the permit was issued to (that is an appropriate use) and in some cases, they were targeted for 'not appearing disabled' even though they were.
I'm certain (at least in Minnesota) that civilians can't require proof of it being the person named on the permit before allowing parking. That would be likely considered harassment and I'm quite certain the business would get sued.
I have had several situations where I asked a business to intervene because while we were in the store someone blocked us in by parking in the access area. They had to call the police.
It's in the hands of the police, who are able to write a ticket or confiscate the permit.
Two of the bigger things things all states do now to combat fraud is expiration dates, which are prominently displayed on the permit. Now, permanent handicapped parking permits expire after 5 years and temporary after 6 months as the standard in each state.
Previous to that, in many states, the permanent ones never expired and temporary could be very long.