> risk of losing your banking if you're regularly being compromised Hmm, I hadn't considered this, and it might very well be valid if it happens really outside

> risk of losing your banking if you're regularly being compromised Hmm, I hadn't considered this, and it might very well be valid if it happens really outside the norm. > but there's still the time involved I've only ever had to call about fraudulent charges once, and that was because a restaurant double-billed me (once with tip, once without), so it wasn't outright fraud as much as it was a mistake/computer glitch. Every other time the credit card company has called me. > There's also a systemic cost to it, at the merchant and banking level. Not really an individual problem, just like shoplifting raises prices for us, and taxes, and regulations, etc.