I guess some are making that choice for themselves, in the form of using crypto (which then comes with a long list of issues). Then again, I guess it's also po

I guess some are making that choice for themselves, in the form of using crypto (which then comes with a long list of issues). Then again, I guess it's also possible to go in the opposite direction and look into additional means of verifying who is making a purchase - over here, we have chips in government issued ID cards which can be used for signing documents, whereas most banks already use a 2FA system with codes (mobile app, not SMS; but also not TOTP, rather issued certs based on a contract with SmartID) for approving access to bank accounts and then another code for confirming orders. It wouldn't be entirely unrealistic to imagine that technology progressing and merging in the decades to come: you can already use the ID cards for signing into everything from government portals, to utility service providers.