meh I don't see it so big of a problem. first is a problem for banks, not ordinary people, they bear the cost of fraud secondly there already are solution in t

meh I don't see it so big of a problem. first is a problem for banks, not ordinary people, they bear the cost of fraud secondly there already are solution in the space that split authentication from payment tokens (i.e. paypal and more recently the super annoying verified by visa / mastercad securecode) and are safe enough and good enough