> just that “the consumer is liable for frauds with their card” is wrong To be clear, I neither said that not intended to imply that, so I find it a little que

> just that “the consumer is liable for frauds with their card” is wrong To be clear, I neither said that not intended to imply that, so I find it a little questionable that you placed it in quotes. I think the protections are more or less fine, but seem to vary more and aren't as clear-cut for zero liability as I've found in the US, but I'm sure this varies a lot by country anyway. In any case, I've lived in multiple European countries for years now, so my experience is not solely from the US.