What's the thread model here? You lost your card/it was stolen, but you haven't noticed and canceled it yet? Isn't it more likely that your card data is scraped

What's the thread model here? You lost your card/it was stolen, but you haven't noticed and canceled it yet? Isn't it more likely that your card data is scraped up in a data breach or something, in which case your card is still in your wallet? Even if it was very recently lost/stolen, you're not liable for illegitimate charges as long as you report them promptly, so wouldn't it be better to just keep track of your cards?