> but anti-fraud measures taken by the bank can mitigate that. Not really. Anti-fraud measures by the banks usually amount to taking the hit themselves, unless

> but anti-fraud measures taken by the bank can mitigate that. Not really. Anti-fraud measures by the banks usually amount to taking the hit themselves, unless they actually catch the culprit. And that's only in the case of actual fraud. In other instances, the banks' algorithm screws up and blocks your card for a legitimate transaction. Then there's the hassle of replacing your card. In the U.S., the bank where I have my checking account can print cards in the branch, but many more make you wait for the ever-worsening postal service to deliver you a new one.