About a week ago this came up on HN: https://news.ycombinator.com/item?id=22936818
PC, the bo55 co-founder of Stripe was the first to comment. Outlining this was feature only for advanced fraud protection.
As a Stripe user myself, I have to admit, I was sceptical. Also - more network payload. Arghhh. Lighthouse death.
Then today, I login to Stripe and get this message: https://stripe.com/au/blog/advanced-fraud-detection-updates
Stripe. Thank you. You are my hero. THIS people is HOW YOU RUN A STARTUP.