Given all the negative comments here - what is anyone's alternate solution for AI-driven fraudulent activity? CAPTCHAs are increasingly ineffective. Services are either going to go offline or implement some kind of system like this. PII like credit cards or SSNs aren't enough because those are regularly stolen. So where do things go? Fewer services and infinite fraud?
As a footnote i found googles recaptcha bitterly ironic, it was painted it in bright colors "this data assists in book scanning" or "this help our self driving cars recognize stop signs" but really designed to train models to do exactly what it's trying to prevent them from doing. and making life hell for the humans along the way. The modern single click version is doing behavioral analyses.