MasterCard and most other card networks are happy to shift fraud liability onto the banks and/or merchants. Why should I care as a user that the system is techn

MasterCard and most other card networks are happy to shift fraud liability onto the banks and/or merchants. Why should I care as a user that the system is technically insecure if I’m not actually put at risk? I also don’t see the problem with your own device authenticating you - I trust my device more than a random terminal onto which I’m supposed to type a PIN. When it comes to spend limits, this is primarily down to merchants - they are in control of their terminals and can choose to reject (or ask for additional auth - mobile contactless + PIN is technically possible for example) any method if it doesn’t fit their risk appetite. Most merchants choose to allow even completely insecure methods (card-based contactless with no CVM) because in practice the convenience for the prospective shoppers offsets the cost of fraud.