As a website owner and VPN user I see both sides of this. On one hand, I get the annoying "Verify" box every time I use ChatGPT (and now due its popularity, DeepSeek as well). On the other hand, without Cloudflare I'd be seeing thousands of junk requests and hacking attempts everyday, people attempting credit card fraud, etc. I honestly don't know what the solution is.
It works so well and is very secure. You get to the checkout page on a website, click a link. If you’re on your phone, it hotlinks to open your banking app. If you’re on desktop, it shows a QR code which does the same.
When your bank app opens, it says “would you like to make this €28 payment to Business X?” And you click either yes or no on the app. You never even need to enter a card in the website!
You can also send money to other people instantly the same way, so it’s perfect for something like buying a used item from someone else.
Plus the whole IBAN system which makes it all possible!