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There are plenty of online payment systems that work far, far better than credit cards that cannot, by design, ever have user account information stolen from a retailer.

Why doesn't Target use those payment systems? Wait, I think I know... because their customers don't use those payment systems. Are you saying that customers should "be angry at" themselves?

It has been years since I've used a credit card at a big-box store. They all still take cash.




> People need to be angry at the credit card industry for designing such an insecure system, not Target.

He explicitly said the blame doesn't lie on Target.

Payments systems are a chicken and egg problem, however you would think the entity that feels the most pain from credit card fraud would try harder to replace the broken system.


Exactly! Except the entity that feels the most pain isn't the credit card companies or the banks. It's typically the retailer or the payment portal.


That was actually my point. I am surprised retailers aren't making more of a stink about how insecure payment processing is given they are on the line for fraud 9 times out of 10.




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