Counterpoint: the only businesses that force VbV etc. I will deal with are airlines (because they all do), which meant the last time I flew transatlantic I took 800 euro out of my bank account and _walked_ to Air France's bank rather than use it. In _any_ other industry? They've just given my business to a competitor.

It is not in my interest to use a service _designed_ to lessen my protection from fraud.

(see http://www.lightbluetouchpaper.org/2010/01/26/how-online-car...)