nice comic .. I was saying pretty much the same thing when I first heard of credit cards back in the 1970s and I was only a kid back then.. its an obvious problem that always made me nervous about using credit cards, (or debit cards or anything else that has that same problem) I always said that to buy something you should only need to authorize a transaction for a fixed, agreed amount (the price of what you are buying)

no need to give any strangers unrestricted access to a bank account!

also if ALL parties involved in the transaction (ie buyer, seller and their banks) have to verify a transaction before it happens thats already a few verifications .. tokens could be opaque to anyone outside the transaction and totally useless to thieves.

is that too sensible for this crazy world?