How exactly does shifting 100% liability for fraud to the user make for a "better shopping experience"? No matter how many coupons they offer, this is a deal br

How exactly does shifting 100% liability for fraud to the user make for a "better shopping experience"? No matter how many coupons they offer, this is a deal breaker. My grocery added an extra tap for their CC/loyalty card at checkout - tap once for points, then again for NFC payment - and it so infuriated me that I changed grocers until they changed it back to a single tap. It cannot be overstated how important reducing payment friction is to a buying experience.