While others have talked about the merchant as victim, it should be noted that the individual whose card is stolen and used also are victims. This is esp. true

While others have talked about the merchant as victim, it should be noted that the individual whose card is stolen and used also are victims. This is esp. true for folks who work multiple jobs or have very tight finances. Having to navigate banks to get fraud protection started or having your finances thrown off balance even for a day can be really hard on those people.