I agree, its really just growing pains and companies coming in trying to treat a decentralized system more like the old ways of centralized systems. I have been lucky up to this point so I kind of figured it would find me one day with issues lol.....but I definitely think we need to start building some fiat to crypto gateway that is decentralized there as well, hard to do with the laws in place but I think the policies of companies in a crypto related environment won't fly long if they stick to the old ways like Bitpay and its Visa provider are trying to pull. Funny thing and why I am most upset, the need for so much personal info to simply return what is mine, Amazon on their end oddly want to protect that for us here and did their part fully, why the funds still haven't returned, beyond me other than the fact Bitpay wants basically access to our Amazon account to release....not normal even with average debit systems I have dealt with. Its okay though, I will make it through, relocate to my Shift card 100% after this experience and part ways with Bitpay as a lesson learned.