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

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-45-million-global-cyber-bank-thefts.html?pagewanted=all&_r=0 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.