sterile environment is best for fast system growth, until parasites come over and try to exploit it. only then you need protection against it.

united states in general enjoyed some time where people did little to defraud system and therefore number (and later exp date, later - cvv) was fine. You can't rely on people's integrity and morale now as a safe-guard for system. Same applies to paper checks by the way.

In case of turkey I bet that defrauding was problem from beginning, that's why it was first thing to solve too.

If anything, it just tells that doing tech business in usa will be more fictitious than it could be otherwise.