What we need ...
... is an entirely different system of payment for online transactions. Maybe a system where the user can have as many virtual cards as they like which are usually used for only one external transaction each, each having its own public/private key pair with the private key never being passed so cannot be intercepted or cloned. Maybe all transactions could be held in a public distributed blockchain constantly being verified by many independent operators (we could call them "miners").
It would be kinda cool to be able to watch every transaction in the World in real time https://blockchain.info/
Biting the hand that feeds IT
