All that’s true and you should always prepare for the worst case. That said, I’ve had a couple fraud events over the last few years before insulating layers lik

All that’s true and you should always prepare for the worst case. That said, I’ve had a couple fraud events over the last few years before insulating layers like Apple Pay were widely available. I’d pay for dinner at some sketchy restaurant, then a month later someone’s using my card to buy gas in Tijuana (real story). My credit union was amazing each time. They’d immediately issue provisional refunds for the fraudulent amounts, waive any fees, and have a new card in the mail a day later. It was inconvenient to be sure, but the credit union made it as painless as possible.