Earlier quoted context omitted.
What you've got here is an is/ought distinction. You're telling me how you think the universe ought to be but my advice was about how the universe is .
I suppose what OP is saying is, if an innovative company figured out how to do those things, obviously using the technology/universe we already have, then they'd have him as a customer and/or investor. They'd have me too. These are all great consumer-focused features that would be game-changers for a credit card company. It's simply utterly bananas that all it takes is for someone to get a few numbers from me, and th…
To what extent they "have it made" is an open question, but I am curious what you have to say about their signup process.