I think part of it is successful brainwashing from banks to make people believe credit card number theft === identity theft === the individuals responsibility,

I think part of it is successful brainwashing from banks to make people believe credit card number theft === identity theft === the individuals responsibility, not the banks. Otoh, it can be pretty time consuming and annoying to charge back transactions and get a new card. In Switzerland for instance I have to print out a multi page form, fill it in, send it back by physical mail (yup) then my bank follows up after a few weeks a a few more phone calls. And I have to pay a fee to get the card replaced. So yeah the transactions aren’t on me but the hassle and fees are... This was much more straightforward in North America though.