Yes, this. We (Fly.io) get a lot of abuse from users with stolen credit cards, too. But credit cards are the most useful anti-fraud tool we have.

When we've relaxed the credit card restriction (like on https://fly.io/launch/livebook), it gets "exploited" within about 48 hours.

This sucks and we hate compromising the experience for legit users. We _want_ people to run their side projects on Fly.io without paying us money. The credit card gate makes this happen less.