I agree with most everything you have said but wonder if it is just the internet or everywhere these days. I recently went through a McDonalds drive thru for the first time in a very long time and felt a longing for the old menu boards that had items and prices clearly listed instead of these TV screens with all the items and prices scattered about like a teenage girls dream collage. I walked into a new BestBuy store…
Why is there a Google captcha in increasingly more checkout pages? This is the _only_ place a shop makes money.
Credit card numbers are constantly being leaked like crazy, and criminals have a hard time testing them by hand. So they rely on automating fake purchases on small shops so they can verify the number is correct.
Another common thing is criminals selling products via non-legitimate shops for very little to "launder" those card numbers. After a customer pays, they buy the proper product on a proper shop with another stolen credit card number. Any investigation takes long enough for those people to just disappear and get away with it.
We gotta fix credit cards as much as we need to fix the web.