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He remembered that for reloadable cards, the law would require him to provide his Social Security Number and ID later online to "register" the card.

He noticed most cards cost between $3.95 and $5.95 just to buy and activate at the register.

He passed a CVS and a Walgreens . Both are famous for their massive gift card carousels that include reloadable prepaid cards like Netspend or Green Dot.

It was 6:30 PM on a Tuesday, and Marcus was staring at his laptop in a mild panic. He had finally found the vintage synthesiser he’d been hunting for months on a niche collector’s site, but there was a catch: the site didn't take his specific bank card, and he didn't want to link his primary account to a new, unverified platform anyway. "I need a buffer," he muttered. "A prepaid card. Now."