I'm not so sure. It's kind of like DRM. Legitimate users get annoyances and hoops to jump through. Like the fact that paypal verification is done through the bank rather than by entering phone digits like it was a few years ago.
I don't want to go to the local bank or phone them up. Why should i have the hassle of that!?
Well have you been able to make other online purchases anywhere else with the visa verified
after this problem?
It depends on the site. Some use it some don't. GOG is quick and easy, and i can easily buy things. On some sites, it's impossible.
In regards to paypal, if i don't enter the digits on my statement (which arrives about every 2 months) i cannot withdraw/add any funds from my bank account. I could get it sorted sooner, but why should i have the hassle?