I suppose that's fair. In the article author's defense, he did pretty much disclaim any detailed or experiential knowledge right up front. That said, while my

I suppose that's fair. In the article author's defense, he did pretty much disclaim any detailed or experiential knowledge right up front. That said, while my own relevant experience is now many years past and was in any case mostly refracted through the payment card industry, I didn't spot any obvious howlers.