Steam is the only service that I've tried to use that won't accept any of my credit card... I'm not in a common situation living in China with a French credit card registered with my chinese address but still, I only could pay two times successfully (after a lot of tries) and now I can't anymore (and one would think that it should have become easier since they didn't get any chargebacks when I did buy)

So, in a world where customers can easily chargeback fraudulent charges, I think having security measures that are too paranoid is a great way to lose customers for no real advantages to the customer security.