[slvrspoon]

there's already something like this (no surprise) https://www.ftc.gov/legal-library/browse/statutes/restore-on...

i'm guessing pretty much only CA enforces it and generally to make $ the way police do from ticketing.

credit cards are the market solution here. they work. virtual cards are even better. more effective and efficient legislation would be to simply enforce processors to accept and not differentiate virtual mastercard / visa / amex cards!

[klabb3]

Credit cards have worse privacy than bank accounts, and not everyone can or want to get one. They're also very popular for fraudsters. But yes virtual ones are a lot better.

[hackernewds]

What is a virtual card?

[CSSer]

Another comment gave you the gist, but it's also worth noting they can give you control over how much can be debited, how often it can be debited, etc. You can even use them to make budgets for yourself. The leading provider that I know of for this is https://privacy.com/

[klabb3]

Haven't used one myself but iirc a credit card number is generated on the fly for each transaction (or maybe a set of transactions). So someone trying to charge you again will fail if it's no longer valid, and you can't correlate it easily with other data.