Or/and, as an alternative, per the man from Singapore, stop using 3rd parties to distribute gift card codes.

So… Apple's left hand isn't talking to their right hand, seeing as how they're the ones partnering with distributors like Blackhawk to sell their gift cards.

> Then they are free to stop offering gift cards.

That's easy to say. [1] [2] [3] But reality is harder than that; keep in mind:

  - Fraud is complex (many moving parts, many pathways)
  - Fraud is adversarial (whack a mole, but worse)
  - Fraud and revenue are two sides of the same coin [4]

P.S. The commenter doesn't state who "they" refers to: maybe issuers, maybe retailers, maybe both?

[1]: A drive for simplicity is important, in moderation. But here the quote seems to not appreciate the complex reality.

[2]: The response pattern "Then they are free to [foo]" is often part of a rhetorical technique to shift blame and/or responsibility to another party.

[3]: See also the "nirvana fallacy" (i.e. "if you can't do it perfectly, you shouldn't do it at all.") See https://thelogicofscience.com/2016/06/20/the-nirvana-fallacy...

[4]: You can easily imagine a business where lowering customer friction increases both revenue and fraud. What is the ratio between them? How does it change over time?