Great point. Is the fraud issue credit card related only, or is it the same if entering a routing number and checking account (like a Coinbase account)? I'd be really happy right now with a "USD bank account-to-Steem" method of purchasing, esp if accompanied by a debit card that let me spend from my Steem balance. I'd even agree to a waiting period required before being able to convert purchases of Steem back to USD in my  bank account. I'm pretty confident Steemit Inc and the community will get this figured out, so I'm not even dealing with the exchanges at all any more (once was enough, too complicated for me and many others). I'm just waiting for the community to figure it out and post an ez-peasy link.