I'm not accountable if someone uses my credit card, SE is. SE is protecting themselves, not us.
Has someone else used your credit card due to click and buy, or are you just preblaming SE because you are paranoid there is the possibility?

You don't want to use click and buy, fine. You are concerned about a possible 42 cent international charge from your bank, w/e. Too many people are acting like they have already been scammed by click and buy already even before they have signed up. Just because someone is not outraged by a possible 42 cent bank fee or paranoid about things that may, but likely won't, go wrong until SE adds a new payment option does not mean they are white knighting them. I am sick of seeing posts constantly complaining about the same issue over and over again, and then bullying people who do not share the same concerns as them. It really is just immature.