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Even more annoying are those sites that insist on using it, even though they know I'm human -- for reasons like I've paid them some money or jumped through their KYC hoops. At that point it's just being rude and exploitive, and, personally, I've reached the point where I'll simply take my business elsewhere if a site chooses to treat me with so little basic respect.

There's a case for preventing bot action even if the bot is willing to pay. Though putting a captcha right after a payment step is borderline fraud.

What's KYC?

Oh you mean like Mongodb Atlas? (Although looks like they've gotten rid of it or toned it down). There were days where I couldn't log in because recaptcha just refused to let me.

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