The point is - if it's important for them to verify that the cards you use really are yours, then why only do it when you withdraw? why not do it when you deposit? of course they don't because it would put people off - but there should be a bold warning that withdrawing could require some lengthy and invasive security checks.

Put it this way, I said to them, "why not just credit back the card I deposited with rather than Neteller - that way there can be no doubt about security" - But they declined.