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In a hypothetical world where attackers would need to create a unique attack script for each system attacked – such an economy would be a non-starter.

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If all the people would be the same - pandemics such as Black Death would easily take the whole humankind down; it is diversity among humans which allowed us to survive.

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With the Direct Processing, customer should trust us (the merchant) with their details

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On the other hand, most of PCI DSS requirements make perfect sense regardless of formal compliance

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Chargeback monster will come from under the bed and will eat all your hard-earned money!

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it is trivial to develop a system with guaranteed zero chargeback rate – to achieve this, it is sufficient to decline each and every transaction at pre-filter stage

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as much as iOS is a device identification nightmare, Android is a device identification paradise.

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Everybody makes occasional mistakes, cheaters/abusers included."your DB"