For the second time this year I made a credit card payment and I’m shocked how bad the UX has gotten:

- Enter card details and address

- Get redirected to 2FA portal

- Log into bank website (requires 2FA SMS)

- Obtain “secure code,” which requires a 2nd 2FA SMS

- Enter secure code into 2FA portal

- Obtain 3rd 2FA SMS, enter into portal

- Payment confirmed, receive confirmation SMS

At this point I suspect banks are even making it easier for scammers, as they patiently walk you through this kafkaesk security theater.

That Lightning isn’t available as an online payment even for high-risk transactions should make you seriously doubt yourself, Bitcoin and the world around you.