Inconvenience and stress. I had my card "stolen" twice, and the bank was kind of a pain to deal with. Mostly their incompetence, rather than a refusal to help

Inconvenience and stress. I had my card "stolen" twice, and the bank was kind of a pain to deal with. Mostly their incompetence, rather than a refusal to help, but that didn't help. I don't bank with them any more, but it actually wasn't even over those incidents. So while I wasn't out any money, I was definitely out my time and had to deal with excess stress, so I do care if it gets stolen in the future.