I guess I'm lucky (?) in the fact I can no longer buy things online.
Up until a couple of years ago I could, but now it all needs 'verification' for the sale to go through.
As I don't have (don't want) Online Banking, Phone Banking and all that super secure innovative crap, any verification codes sent to my PC or Phone obviously have no destination so never arrive (if they're even sent . . how do you send a text to a number you don't know? )
Quite happy not 'impulse' buying various things of dubious quality