Exactly. I can rent some storefront right now and set up a fake card swiper. Maybe the barrier of entry for this kind of thing is lower... but is it lower than

Exactly. I can rent some storefront right now and set up a fake card swiper. Maybe the barrier of entry for this kind of thing is lower... but is it lower than creating a web page and stealing credit card numbers? The beauty of credit cards is that you're not responsible for fraud. I know that when I go to a restaurant the server could easily take a quick cell camera shot of my card, but I accept that risk because I know that I monitor my card activity and that I can recover that money if it does happen. The same applies here.