The bot problem is rising and real.

[Moonlite]

Someone actually mentioned that their bank straight-up blocked transactions with SE presumably because of all the chargeback fraud the bots were doing.

You might not have been around, but this is why we had crysta. It was a super complicated system where we put our credit cards into a 3rd party website to purchase crysta to then purchase time. SE has had a lot of trouble with charge backs since 11.