I agree, this is awful (I'd really like to know how on earth it decided that this field is where the expiration year belongs. It sounds like some extremely aggressive assumptions are being made).

>The user also had a chance to see how it filled the form and didn't bother checking.

It's impossible to overstate how wrongheaded, unproductive, and, frankly, lazy this sentiment is.

So ... you're saying it's the their own fault and Substack should keep the money?