I have never had to actually pay for any fraud, the bank's fraud detection alwasy catches it, it's never even showed up on my bill. But I end up having to canc

I have never had to actually pay for any fraud, the bank's fraud detection alwasy catches it, it's never even showed up on my bill. But I end up having to cancel and get a new credit or debit card about once a year. And this actually is really inconvenient, when you think of all the places you have stored a CC that have to be updated. I guess my bank doesn't do automatic updates of any recurring subscriptions, I've always had to deal with it manually. (And in charitable contributions, amazon, paypal, stripe, grubhub, etc etc etc). That was making me consider privacy.com instead... but if I'm doing it cause of that fraud inconvenience, which right now is just an inconvenience which I have no worry whatsoever would result in actual $$ (cause it's happened so many times now and it's never even been a threat), and switching to privacy.com may eliminate having to update card numbers everywhere when fraud happens but actually increases my risk of actually being out the $$ (or increases the amount of time I have to spend dealing or fighting with customer service or fraud recovery support anywhere) -- forget it.