This means I've monitored a lot of data in regards of orders.

Generally speaking when looking at orders where payment has been rejected, it's rare that people try again. Most people just give up it seems.

I have never seen anyone try more than twice.

Of course it might not depict a realistic picture for this scenario but I can imagine my observation is somewhat general.

I imagine the reasoning for people not trying again is just that it can be tedious to type out information again or most people will think their card has been frozen etc. and will wait until their bank's opening hours to call and ask what's up etc. which means they don't try again because they assume the error has to do with their card or bank and not necessarily with the site they're paying on. That is sometimes also the reason of vague error messages.

Is there an argument for not having so much centralization on the net? I.e cloudflare

P.s great username OP

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