I don't think you as an individual can do a lot, and I don't blame you as an individual. In your position I would've probably done the same. The situation with

I don't think you as an individual can do a lot, and I don't blame you as an individual. In your position I would've probably done the same. The situation with poorer countries is completely clear. As people have less and less honest options of providing a dignified living for themselves and their family, their moral principles give way and they turn to crime. Maslow hierarchy of needs and all that. In my opinion, the blame for a lot of these situations is the aggressive exploitative treatment and bullying of "small guys" by "big guys" on the global scene. But that's a separate political discussion, and a long one at that. One thing that could help, but I doubt it's under your direct control, is taking advantage of systems such as 3-D Secure, which is SMS-based OTP for card payments. My card has this and I'm always happy to verify my payment this way, but payment processors are free to ignore these capabilities and just charge the card. (Conspiracy theory: this is because it hurts the conversion rates, as it adds another step to the funnel.) I think that a payment verified via 3-D Secure would have a much lower risk associated with it. But overall, I don't think I can offer any suggestions on how to make the system better. I ranted due to a perceived injustice, but that didn't mean I have ways ready to make the situation better. I think that change must come from the powers that be - and they're unlikely to suddenly start giving a shit, so there goes that. In any case, I thank you for considering my perspective and offering to help move the status quo. Rest assured, my friend, you are not part of the problem.