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Culture War Roundup for the week of November 28, 2022

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Your threat model is wrong. Here's the threat model:

https://www.themotte.org/post/205/culture-war-roundup-for-the-week/38246?context=8#context

Given the fact that the majority of purchases will be through the mobile app (i.e. most likely the same device receiving the 2FA code as the one signing in and ordering), it's quite useless, actually. This is on top of the fact that SIM-based 2FA is horrendous for being extremely susceptible to social engineering,

...Or it could be that people were phished to hand over not only their password but also the 2FA code for authentication...

Current attack: an attacker with 10k stolen CCs, 50%+ of which are already reported as stolen, and he's buying burritos to determine which ones are still live. This attacker is running a python script on his laptop and placing orders either with selenium in the browser or an android VM.

Effort: python test_on_chipotle.py todays_batch.csv

Reward: 5k valid CCs.

Your proposed new attack: make 10,000 phone calls to either T-Mobile/actual Chipotle customers, perhaps half of which will be successful in convincing the customer to hand over the OTP.

Effort: 10k cold calls

Reward: 2.5k valid CCs.

Even assuming the 10k cold calls are still worth the effort to the scammer (they probably aren't), chipotle has just cut phony orders in half.