I was half joking. This often tends to be a problem of the customers more than the credit card companies. Adult content and gambling face charge-backs at a far

I was half joking. This often tends to be a problem of the customers more than the credit card companies. Adult content and gambling face charge-backs at a far, far higher rate than for other things. I'm sure cryptocurrency is now in this basket as well, as anything people have "regrets" about tend to get charged back way more than others. If credit cards were more secure, if you couldn't just claim "Wasn't me, gimme my money back" on just about anything, this would be far less of a problem. Credit cards should, at the absolute least, have embedded one-time password generators as a necessary component for online purchases. The American financial system is so ridiculously baroque, though, that I bet this will happen forty years from now when the chip+PIN phase in is finally complete.