what I* want is an exchange on the order of 'fooco is asking for $53.28, is that ok?' the minor annoyance for recurring payments is totally worth not having to

what I* want is an exchange on the order of 'fooco is asking for $53.28, is that ok?' the minor annoyance for recurring payments is totally worth not having to actively be on guard for random people withdrawing from my account. why is this so hard? i suppose its because of some perverse incentives that I dont understand.