The problem is CC processors. You can get away as a merchant with just a number and expiration date, that's the minimum you need to process a CC payment, but you pay exorbitantly higher fees. The more details you collect and pass on, the lower your processor's risk fee will be because the more info, the more likely it is that the customer is actually the cardholder and not using fraudulently obtained data.

And as soon as you connect with telephony systems (e.g. VoIP numbers) or rent out servers, some countries' telecom KYC laws apply that also force MS to collect validated address data.