I've always assumed they've had a lot of trouble with credit card fraud from people that would just leak it
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They might, but they do it to me, and I've renewed annually for 15+ years. Just this year, I went to renew and they demanded my residential address (not billing address), then looked it up on street view and asked me questions about it (!?).
You know who else looked up my residential address on street view and asked me questions about it? StartCom. If that's the trust experience they're aiming for...
