Problem: Buying something with a credit card exposes the customer to unauthorized charges. Weak political solution: Thou shalt not make unauthorized charges to

Problem: Buying something with a credit card exposes the customer to unauthorized charges. Weak political solution: Thou shalt not make unauthorized charges to other people's credit cards. Technical solution: Replace the whole concept of credit card numbers with a secure payment authorization flow. Credit cards: Meh. That sounds hard. [20 years later...] Credit cards: Check this out! We offer a secure payment authorization flow! And your credit card numbers still work like they always did! [Someday...] Stronger (but late) political solution: Thou shalt provide a secure payment authorization flow instead of credit card numbers.