Please keep calm - there's no need to shout. If for no other reason, it's harder to read all caps. We are not making the point you think we are. We're all cl

Please keep calm - there's no need to shout. If for no other reason, it's harder to read all caps. We are not making the point you think we are. We're all clear that if the bank can distinguish, they must refund legitimate cases, but that's not what we're trying to explain either. Responding to your last paragraph alone: "I was talking about cases where the bank is not able to distinguish an actually fraudulent transaction from a legitimate one. Your response "but if they are able to distinguish them, they have to refund you!11" is just completely irrelevant to the point that I was making." My response is not "if they are able to distinguish them, they have to refund you". It is "if they are _not_ able to distinguish them, they have to refund you".