And why would they, if any fraud is insured? It’s priced into their business model. There are some interesting ethical debates to be had around stealing credit

And why would they, if any fraud is insured? It’s priced into their business model. There are some interesting ethical debates to be had around stealing credit cards. At the end of the day, who is the thief really hurting? The consumer is inconvenienced at worst. The card companies are insured. The insurance companies already priced the risk into their actuarial models.