First, please note that I never called anyone stupid or moronic. You did, and I do not know why. I said "stupid forms" and I stand by my opinion.
I see why you'd want to validate US addresses properly now, thanks for the explanation. However, I still don't quite understand why you'd want to use the same rules for the rest of the world.
Your credit card company cannot possibly validate my address (with zip code) and telephone in a rigid US-based form, because I won't be able to enter my zip code or my telephone into that form. They simply won't fit and validators won't let them through. Also, many systems won't process non-ASCII characters in my street name.
Of course, I have been entering crap data into those forms for the last few years when buying online and have yet to see a credit card transaction rejected. Which means you don't have to worry about rejected transactions on out-of-country purchases, which means you might as well give us a reasonable form and not expect us to fight our way through your validators.
So why not make two forms -- one for US customers, and one for everyone who chooses a different country? Given your estimates I expect you might even get that done in 2010 :-)