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So the sites should drop the safety features because there exists a user who would not be personally inconvenienced by the theft of their credit card details?

And that adds the overhead of managing multiple balances, fees, and credentials. You don't seem to be a typical bank user, so I'm still going to conclude that getting a credit/debit card stolen is a huge inconvenience.

The biggest risk of credit card data being stolen is not loss of money, but identity theft.