In the real world, people lend out their card in all sorts of circumstances. Unwillingness to accept that this is a practical solution in a great many circumst

In the real world, people lend out their card in all sorts of circumstances. Unwillingness to accept that this is a practical solution in a great many circumstances and needs to be accounted for beyond “lol, don't do that” is one of the more asinine security failures of modern banking.