Unfortunately, it doesn't work that way. The Uniform Commercial Code (in the US) has provisions about what constitutes accepting an instrument of payment taken

Unfortunately, it doesn't work that way. The Uniform Commercial Code (in the US) has provisions about what constitutes accepting an instrument of payment taken in good faith, and that indemnifies a business. Maybe those laws should not exist and insurance should be the mechanism to cover loss stemming from fraud, but it doesn't work that way.