Your 'best practice' shows that you don't understand the problem here. ApplePay poses no risk to you unless your card numbers have already been stolen. If the

Your 'best practice' shows that you don't understand the problem here. ApplePay poses no risk to you unless your card numbers have already been stolen. If they have been stolen, some banks aren't doing enough to check this before allowing them to be enrolled in ApplePay, so ApplePay is being used by criminals to buy goods using stolen card numbers. That's it.