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They take your money in 5 seconds, but give it back in “5 to 7 business days”.
This is the thing that pisses me off most. After spending hours arguing when they finally relent it will be “up to 30 business days before you see your refund”. I had one company take 120 days to refund my money when my venue had to be cancelled during COVID, money that I had to pay the moment I booked.
One time pads aren’t really feasible at scale. Getting the pad (key) to your partner securely will involve moving it in meatspace.
If you tried to send the pad with some other encryption that becomes the weak point and defeats the pad.
You can’t reuse the pad for multiple transmissions or you are vulnerable to analysis attacks.
You can’t compress the pad and send it with remaining space of a previous pad because the pad has to be true random numbers and won’t compress well so you will always come out behind.
They are great in theory, and in practice for a few fixed short form communications in emergency situations but I don’t know of any practical way they could be used generally. Your bank isn’t going to ship you a hard drive of random numbers for you to securely look at your account.