Throw in gift cards all over the place to incentivize purchases.
Go to use a gift card, "Sorry, gift cards can only be used to pay for full price items, not discounted or sale items".
Conveniently, effectively everything in the store is discounted or on sale.
That would be bad enough as-is. But you move houses, or are moving out for the first time, and someone buys you a gift card, with CASH?
They're the same gift cards. And the same "rules" which are nowhere to be found, just you arguing until you're blue in the face with a store manager who "understands, but policy".
"I could have bought this item with the cash it took to buy the gift card, but because that cash 'changed form', it's now unacceptable for payment?"
A law that states you can't call it a "gift card" unless it can be exchanged for cash at 95 cents on the dollar would fix it pretty well.
There is no opportunity for the kinds of large-scale fraud you see with cards purchased elsewhere. The only risks would be the same for any other bearer instrument, e.g. wallet theft.
Specific accounts may be flagged, for sure. But a general ban on GC-related purchases would be a very big regulatory deal. Do you have links to a published source?
We're a multi-trillion dollar company and your BATNA is terrible. Don't like how we roll? Go fuck yourself.