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What you've got here is an is/ought distinction.

You're telling me how you think the universe ought to be but my advice was about how the universe is.




I suppose what OP is saying is, if an innovative company figured out how to do those things, obviously using the technology/universe we already have, then they'd have him as a customer and/or investor. They'd have me too. These are all great consumer-focused features that would be game-changers for a credit card company.

It's simply utterly bananas that all it takes is for someone to get a few numbers from me, and then they have the ability to arbitrarily take my money, making it my problem to dispute it. This goes for credit cards and ACH transfers (which only require routing number and account number). The company who figures out how to fix this will have it made.


From what I've read, privacy.com is quite precisely this company and offers this product. Their copy claims it's free for personal use.

To what extent they "have it made" is an open question, but I am curious what you have to say about their signup process.


Isn't this what Venmo and Zelle are doing (sorry US perspective here)? The trick is to get companies to accept payments via those methods where the customer has control over the recurring payment.




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