[sclarisse]

You send the money to a literal mailbox instead. That’s how.

(Using a check, the very infrastructure we’ve been talking about!!)

[thfuran]

But then you've given out your bank account number, so the secrecy is bunk.

[internetter]

The US bank security system confuses me. To accept money, I need to give out my routing number and account number. Using those numbers, someone could theoretically withdraw money... Maybe... The whole system is built upon obscurity. Why do some stores need a pin on my debit card, and some do not? Why do online stores need my name and address, but IRL ones do not? How did that one online store charge me without my CVV? How can restaurants swipe my card now and charge me later?

I only send and receive money with Google/Apple Pay & PayPal at this point. This flow is reasonable (every transaction is authorised in a trusted location (ie: PayPal). Further transactions are impossible without additional authorization). It boggles my mind that banks & CC companies haven't made some standard for this. Would save them so much money in fraud protection.