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Seems like a good thing to me. It moves the liability to the banks and is likely to increase consumer confidence in making purchases online. There might be a bit of pain associated with it since it will be harder for a teenager to borrow mommy or daddy's credit card to join a site, but those sorts of transactions often end up as refunds or chargebacks anyways.
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"Every normal man must be tempted, at times, to spit on his hands, hoist the black flag, and begin slitting throats."
--H.L. Mencken
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