What if they don't have a credit card? Not everybody on HN is from a western country where everyone can get a card when they're 13. Also, many credit cards don

What if they don't have a credit card? Not everybody on HN is from a western country where everyone can get a card when they're 13. Also, many credit cards don't have the person's full name but their initials and surname, which is useless for googling (or is the full name accessible when processing?).