I'm sure you were one of the ones that made covid last a lot longer than it should have. All I'm saying is that when the next crisis happens (most likely a climate crisis because that isn't resolving on it's own) there are going to be people out there saying it is a government conspiracy. The crisis won't get resolved if 50% of the people don't comply to common sense solutions (in the case of covid it was simply to wear a mask and get vaccinated but the climate crisis will likely mean even deeper sacrifices). Doing it through your wallet is the best way to get people to comply.
I can't wait for my bank to implement fednow. Faster transactions and the social credit are huge plusses IMHO. Hopefully, people will start to take climate change and other crises more seriously (eg covid) and think twice before they spout out disinformation about the vaccine, etc. Fednow has massive potential to ensure this happens.
Saying they suffer is a bit much. At best they get to collect their fee if there never ends up being a chargeback. If there is a chargeback they don't have to pay the chargeback fee. Sounds like it is an overall win for them to let these slide through.
Unfortunately, the attacks are happening completely outside of my website. The attacker is generating a Stripe Checkout page using my public key - which I have rotated several times. Implementing a captcha on my end won't work and I have no control over blocking IP addresses.