Right because there's no fraud in the financial sector.

The last time my debit card got stolen the fraud people at my credit union suggested checking my account daily to catch it as soon as it happens again. They didn't really even expect to be able to prevent it. Or pretend like they would try.

It's apparently my responsibility to make sure they didn't just hand out some of my money to whoever walked by and asked for it. They never know exactly who was responsible because they were responsible. Of course the law doesn't see it that way.