YES! Paul Chiusano wrote in detail about the fundamental broken model of 'secure transaction' http://pchiusano.blogspot.com/2014/01/an-actually-secure-payments-

YES! Paul Chiusano wrote in detail about the fundamental broken model of 'secure transaction' http://pchiusano.blogspot.com/2014/01/an-actually-secure-payments-protocol.html http://pchiusano.blogspot.com/2014/01/an-actually-secure-pay...