Consumers have been paying for merchant losses since before credit cards even existed. The price of shop lifting, robbery, burglary, ect... have always been fac

Consumers have been paying for merchant losses since before credit cards even existed. The price of shop lifting, robbery, burglary, ect... have always been factored into brick and mortar pricing (even if only via the cost of insurance). The cost of fraud is factored into online pricing. It’s not a problem that’s going to go away.