Maybe it's different by country, but I feel like fraud isn't a huge issue for the end user anymore. A couple times I've had random transactions on my account se

Maybe it's different by country, but I feel like fraud isn't a huge issue for the end user anymore. A couple times I've had random transactions on my account seemingly from database leaks / stolen card details, and every time the bank has either sent me a notification asking me to approve the suspicious transaction, or has refunded me the amount later. As long as you don't initiate the transaction, you get your money back easily.