This has largely been debunked elsewhere -- the fraud is entirely on the poor verification by the banks. When I got an iPhone supporting Apple Pay, I added two

This has largely been debunked elsewhere -- the fraud is entirely on the poor verification by the banks. When I got an iPhone supporting Apple Pay, I added two cards to it. One just set up with nothing more than entering the information. The other one triggered a phone call to the issuing bank where I had to jump through multiple verification hoops to convince them I was the cardholder. Apple can't fix the first bank's security problem, and I don't really expect them to.