Overwhelmingly true. Even something as simple as sending an email or a phone call to "verify the shipping address" is enough to smoke out actual fraud vs. a re

Overwhelmingly true. Even something as simple as sending an email or a phone call to "verify the shipping address" is enough to smoke out actual fraud vs. a real customer. But... that takes time and resources from customer service, and isn't as fool-proof as having access to the actual bank/card account.