One strong headwind to this trend is fraud. Seller fraud is well-known, and payment systems have bent over backward to insure this, but buyer fraud is even more

One strong headwind to this trend is fraud. Seller fraud is well-known, and payment systems have bent over backward to insure this, but buyer fraud is even more popular these days. It's easy to cheat a seller: I'd like to see more intimate online shopping experiences involving at least a short (30s) video call between buyer and seller, at least for first-time customers. It would be particularly potent to make pleasant greetings, express joy at the opportunity to shop/serve, show the credit card on the video monitor, a photo-id, plus incidentals that give a sense for who you are. That way fraud only happens with full-blown identity theft, and now you have a good image of the thief to help the victim get relief, and you can even add the thief to a buyer blacklist. (Interestingly the video evidence format helps avoid the case where a seller blacklists people they "just don't like".)