I just find it hard to believe a bank can be absolved of any liability since fraud can still happen electronically, just like signatures are forged. Most Intern

I just find it hard to believe a bank can be absolved of any liability since fraud can still happen electronically, just like signatures are forged. Most Internet users aren't savvy enough to look for SSL or legit looking URLs. There's still the possibility of a MITM attack. Does case law actually allow credit card companies to shift liability just like that?