Meh.. My Citi Card has one-time use codes with the benefit of the normal protections of having a credit card (insurance, fraud prevention, customer service, etc). This problem is solved for people that care to solve it.
I'm not trying to shill for Citi, I'm actually dropping them for other BS, but I assume other cards have it as well.
[1] - https://www.citibank.com/us/cards/gen-content/messages/van/i...