Right but that sucks. So CC companies/banks are simply shifting risk from one side of the transaction to the other. Sure, as a consumer you don’t have to worry because you’ll get your money back. But if the merchant has to worry and reject customers who are “suspicious” to protect themselves then you’re back to square one, except more kafkaesque. That’s why I said cash is better.

I’d rather have $10 permanently lost for a month of VPS than being banned after 5 days setting it up because I’m traveling and my IP is “suspicious”. Which has happened to me.