BuyFromEU

I agree that it's important from a security standpoint, but it's not relevant from a usability standpoint.

They originally said:

In the US you really could not send money from one Person to another?

And you answered:

It's actually the same in Europe. You can only authorize someone else to take money out of your account.

You are describing how the process works internally to someone in a chain that describes usability from the end user. In Europe we can send money, we tell the bank which amount and where, and then they use their incredibly shitty security methods to perform the transaction. That's agnostic to me from an usability standpoint. That's why I said that you were not saying relevant information.