> The right way to solve this is that Visa and Master Card need to develop a standard to make super easy to generate a unique payment number everytime you make an online purchase. Then that should be built in as a browser extension or component.

There was a mechanism from the 1990s to do online payments without giving the merchant a reusable secret identifier.

https://en.wikipedia.org/wiki/Secure_Electronic_Transaction

It's too bad that something like that didn't become widespread sooner, because it could have drastically cut down on credit card fraud.