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For the credit card?
They would need you log-in and password, as well as authenticator, to do that.
But if you want to suggest the idea:
https://steamcommunity.com/discussions/forum/10/
It only asks for it when it is not stored and when it randomly wants to when stored.
You leave it logged in, while also allowing other people to access your machine?
First thing I do is log out of everything before anyone can touch my system. When I am not using it, I lock it so no one else can access it with out the password.