Agree completely. Personally, I was hoping that Visa, MC, and Amex together could just create a new standard "financial ID number" or "Credit ID Number" that th

Agree completely. Personally, I was hoping that Visa, MC, and Amex together could just create a new standard "financial ID number" or "Credit ID Number" that they could collectively agree on and we could all just kind of ignore the government. CC numbers themselves are almost good enough in the first place, they just need to get a little more self-referential. Hell, maybe they could even use a distributed ledger to do it and bring in the credit reporting agencies too.