I'm not sure where you are but USA is very lax compared to the rest of the world. Obviously someone has crunched the numbers and decided a little more fraud tha

I'm not sure where you are but USA is very lax compared to the rest of the world. Obviously someone has crunched the numbers and decided a little more fraud that gets easily refunded means the customer is more profitable that strict security that could frustrate people. I've had a card with the extra Bank verification step and I stopped using it. Maybe the lower interchange fees in Europe makes the difference.