I would really love a PayPal Option as well :)
I've had my own incidents that... well, would prefer not to repeat.
edit: Not related to the security side.
But now I'm a rainbow of optimistic UNSANITY!
http://www.youtube.com/watch?v=ia9JZhY8gPM
All VISA and MasterCard CC carriers and major banks have this. For debit cards if you're having problems you should call your bank, some banks will need to replace your card. If your bank doesn't support 3DSecure or Verified by Visa AT ALL you need to find a better bank.. or apply for a credit card.
You will be surprised how often RMT use stolen CC accounts to login.
Forum: "I hate Click&Buy, why can't SE just do direct credit card payments like FFXI and WoW?"
Devs: "OK, we're working on allowing you to pay directly with your credit card."
Forum: "Oh no, now we're going to have that 3D Secure crap like FFXI."
Seriously, we're getting what we asked for, can't people just be happy for once?
OMG Answer to my prayers!!! <3
Not to be a negative Nancy here, but unless I'm reading it wrong, they're not saying it will definitely be ready by the time we have to pay to play.
I would rather we have the security to minimize the amount of RMT than the convenience and have more RMT.
As you've said, RMT are mostly stolen CC accounts.
Players compete against RMT or bots, may affect enjoyment and/or economy.
Victim of credit card theft files for fraud, gets refund, process for reparations.
Game company refunds all money stolen from victim, profit loss, time invested.
If RMT weren't stolen, at least game company would benefit from software purchase and subscription cost.