First off no one is saying "you look like fraud", they're saying details of your purchase looked suspicious. This is the first place where people need to pump

First off no one is saying "you look like fraud", they're saying details of your purchase looked suspicious. This is the first place where people need to pump the brakes, there is not some dire sinister plot, you went to make a purchase, it looked weird, we want to make sure it all checks out. This happens _all the time_ with credit card purchases, historically from the card issuer, but card issuers are actually encouraging retailers to be more vigilant in the face of massive increases in card fraud, so now it's distributed. Honestly, whenever I've had the minor inconvenience / world-concept-shattering experience of having a card transaction declined & needing to go through around 15 mins of rectification, I've actually appreciated that they are running systems to prevent rampant fraud, because it's an even bigger pain in the ass to clean up after that than it is to endure some extra information checks on rare occasion.