>>>Don't you think it's naive to think consumers don't wind up paying for credit card fraud, one way or another? The cost may not be borne by all consumers equally (or proportionally), and you might not be able to put your finger on exactly where the cost is covered, but you can bet merchants aren't just eating it.
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>>Absolutely. One way or another the money comes out of our pockets. I'm all for any reasonable attempts to authenticate credit card use. Showing a DL or other widely accepted photo ID when using a credit card should be mandatory when the card is presented in person.
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>I sort of agree. The tricky part is where efficiency and privacy collide. I don't have a good answer to that one.

I think that if someone wants to be able to use a credit card, they should either put up solid proof that they are the credit card owner or they should agree to be held responsible for fraudulent charges rather than the merchant or bank that did not see solid proof of ownership.

How's that?