Earlier quoted context omitted.
> since I don’t want to risk having my entire google account locked due to “suspicious activity”, whatever that might mean. Agreed. I often second guess my usage of various Google apps and services since I don't want to trigger some process that I would have no way of ever knowing. The recent case of someone getting banned from using Apple Pay comes to mind ( https://news.ycombinator.com/item?id=20841586 )
Sounds like self-censorship in dystopia full of secret laws. I'm glad Google isn't running a country.
Apple says that their virtual card numbers protect your privacy because they're untraceable. Ok, but that also means that your using Apple pay is mostly indistinguishable from credit card fraud.
But, you ask, does Google really have to worry that much about fraud? Do people really phish known-good Google accounts, add a stolen card, and then buy a whole bunch of ads?
Well.... yeah. That's actually one of the primary uses for stolen credit cards.