[XorNot]

Why credit card numbers are full persistent baffles me. They were never meant to be memorable, and the whole process is electronic: surely this can be replaced by cryptography at this point?

I've deliberately demagnetized me and my wife's cards and we have black electrical tape over the numbers in public now.

Online purchases are the last remaining problem which would be completely solved if payments were to random keys rather then depending on everyone having the same number.

[hocuspocus]

PANs are indeed going away and every transaction could already be tokenized, today. But then the US were 20 years behind on EMV, and SCA is still not a thing.