[fallingknife]

I agree, and in the US banks are already liable if an unauthorized person gains access to your funds. But what I'm saying is that most of the scams that OP is talking about just aren't done that way. It's just a scammer that tricks them into sending money.

It's just old fashioned con man stuff but over email or phone. And of you're dumb enough to believe that the only way the IRS (US tax agency) is willing to accept payment is by Visa gift card (and yes this is actually a common scam here) it's just not your bank's problem.

[jopsen]

Lots of government websites are extremely sketchy and redirect you to a sketchy payment gateway, often the payment gateway is on some weird domain.

If I make a payment using my visa card, how is it that I'm not just redirected to visa.com, and that's the only place I enter card credentials? Like how OpenID works.

I'm sure there are reasons, probably legacy reasons :)

But it's still weird that payment uses a third-party domain I can't verify. Often called something sketchy.

[jopsen]

To be clear the EU did a lot with 2FA requirements for online payments.

[TheSpiceIsLife]

Public awareness campaigns on the level of anti drink drive ads from the 90s.

Pay your taxes by Visa gift card. Then you’re a blood idiot.

https://youtu.be/RmhgGm4joEQ?si=bJzbF8Gnz-G5Nt6b