[dcbadacd]

Reading all of these issues I'm really flabbergasted that you have such issues. Like, my bank offers me temporary non-physical credit cards with small limits for 1€/month/piece and that's what I use to do all my online purchases with, do US banks really not have that option? Second thing that I often use (where possible) wire transfer, it requires my ID-card and the payment is done in seconds.

This thread has honestly made me really appreciate what I have available to me compared to some countries.

[dylz]

Very few banks have that option, and the ones that do are bordering on user hostile, and the temporary cards don't have usable/tolerable features for this.

A wire costs $50-100 (or more for international) per transaction, no matter what the amount.

A bank transfer (ACH) can take several weeks or more depending on how much both banks trust each other and the type of account you have. Here's a fun read: https://engineering.gusto.com/how-ach-works-a-developer-pers...