You still have to catch, verify, and dispute those charges... and let's hope you don't have an auto-draft payment setup.

Additionally, it's possible for cards to get locked and that's a PITA to deal with, and god forbid it takes more than a moment to unlock. Hope you have backup cash.

Personally, I'd rather deal with the known hassle (cash) vs. the unknown future hassle (card).

> You don’t have to pay for any of it.

In Europe you have a 24hr window to catch the fraud. Afterwards you assume all liability.