Part of what all that infrastructure addresses is the inherent insecurity of credit cards online. After trying out crypto, it kinda boggles my mind that we most

Part of what all that infrastructure addresses is the inherent insecurity of credit cards online. After trying out crypto, it kinda boggles my mind that we mostly do online purchases by giving merchants all the information they need to take whatever amount of money they want. If that information gets loose, we have no choice but to cancel the card and start over. That's a sad state of affairs, given that's it's been half a century since public key crypto was invented. There are of course other issues that would still need to be addressed, like merchants sending fraudulent goods, but if we could build stuff to handle that on top of a foundation that's actually secure, we might be better off.