4 ms·

Are people that indifferent to cybersecurity in your opinion? There are lots of ways to lose money that can't that easily be clawed back.

• AnthonyMouse 3y ago
  People are indifferent specifically in the cases that it can be clawed back. They keep their valuables in a safe etc. But they're much more willing to give their credit card to shady websites than their bank routing info, specifically because it's easier to claw it back if there is fraud. But it isn't the criminal who pays for that. They get your credit card number via their shady website, then use it on a legitimate one, take possession of the goods and leave the legitimate merchant to take the chargeback when the user sees the fraudulent transaction on their credit card statement weeks later. The users also persist in using credit cards, instead of demanding a system with better security, e.g. one in which the card contains a chip that can connect to a PC or phone and requires the card to be physically present for the first remote transaction with a given merchant (you sign their key as authorized to charge you going forward), so you couldn't just breach one merchant, get all their customers' credit card info and use them fraudulently at any other merchant.