Thanks mgkimsal -- could not agree with you more re: both checkout and fraud!
We're taking a strong stand against endless customization. While we'll have some styling options absolutely, we're pretty insistent in best-standards and letting the data speak.
Bolt is for people who want highest-performance decisions made for them. Customers who want to nitpick will have to write their own checkouts and will, for the most part, leave revenue on the table.
And the whole hog of data gives us a huge competitive advantage in manage regards, as you mention.