[yajoe]

I also wish the limitations would disappear, but there are two reasons keeping them in place:

1) Government wants to ensure it can track all digital transfers (many pre-paid cards require activating with SSN)

2) Failing to approve certain transactions is the equivalent of a financial firewall because banks and payment processors know they haven't hardened their servers enough to prevent another one of these: http://www.nytimes.com/2013/05/10/nyregion/eight-charged-in-...

Now, if policy-makers were convinced the online-children-purchases market were bigger than the drive-by-ATM fraud, we would see the rules changed tomorrow.