I hate this idea. Why does every credit form out there have to invent new ways to "format" credit card numbers and do fancy stuff behind my back? I have to lear

I hate this idea. Why does every credit form out there have to invent new ways to "format" credit card numbers and do fancy stuff behind my back? I have to learn how every form works, because cursor keys, delete, and punctuation no longer behave like everywhere else. Invest all the effort into reliable, flexible and intelligent parsing of whatever the user types in. Even in 2019 I find web forms (banks excel at this) which complain about "invalid" characters instead of ignoring them. Incidentally, this idea of "let's improve the standard user interface to make it easier for ORDINARY PEOPLE" is not limited to web forms. Browser URL fields are a playground for programmer creativity and I'm regularly baffled by their behavior: autoselecting the entire input, suggestions completing what I typed even though I never asked for it, and similar ideas.