“Anonymous payments. Use any cardholder name and billing info if you want to make a purchase that you don't want to be associated with you.” I’m not an expert

“Anonymous payments. Use any cardholder name and billing info if you want to make a purchase that you don't want to be associated with you.” I’m not an expert by any means, but that feels like something that would be illegal and/or a violation of the TOS of Visa/MasterCard because it inhibits the ability for the card processors, banks, etc. to detect and prevent fraud and to meet requirements to notify the government of suspicious transactions. Anyone have more info on how that all works and the legality of it?