The 'allowing someone to take money from my account' mentality in the US has always struck me as weird framing and prone to abuse/trust issues. In Australia, I

The 'allowing someone to take money from my account' mentality in the US has always struck me as weird framing and prone to abuse/trust issues. In Australia, I initiate all of my payments on my side to the target account/company/etc. I am giving the money to you, not 'authorising you to take it' from my account. Having someone's bank account details only allows you to pay them, not request payments from them.