[locknitpicker]

> Let them know. Write a letter to the CEO.

I think you're naively presuming the issue is simple and easy to address with a letter.

Regardless of your bank, payment systems such as Visa and Mastercard have blocked transactions involving mainstream online stores such as Steam because they unilaterally deemed some games to be problematic. You cannot fix this problem with an email.

[Hackbraten]

These are two unrelated problems. One is "payment systems use imperfect heuristics in their own operations to fulfil their regulatory obligations." The problem I was referring to is "banks push 2FA onto end users but are unwilling to give them alternatives that don't involve meddling with the user's own most private and expensive device."

The latter is absolutely a thing where customers can (and should IMO) push back hard.

[locknitpicker]

> These are two unrelated problems. One is "payment systems use imperfect heuristics in their own operations to fulfil their regulatory obligations."

No, they are not. You have people reliant on this software infrastructure for very basic aspects of their life such using their own money to buying whatever they feel like buying, and you have people being deprived of their rights because operators of said infrastructure actively prevent and deny their rights to do so. This has nothing to do with heuristics, and everything to do with granting people the power to dictate what you may or may not do with the things you own.