Seems to me that main problem here is that consumers have insufficient control about their payment card transactions. Why card transactions can be initiated by

Seems to me that main problem here is that consumers have insufficient control about their payment card transactions. Why card transactions can be initiated by merchant without explicit authorization of each transaction by the customer? If merchant-initiated transactions are desirable (e.g. for periodic payments), why there is no explicit confirmation for number and size of allowed transactions per time period for given merchant, like it is standard for regular direct debit bank transactions?