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>> rely on denying blame by blaming customer carelessness and making the client bear this loss

This very much depends on the type of customer.

Consumers pretty much can have their banking password tattooed to their forehead and suffer no repercussions.

If you're an online merchant, it will nearly always be your fault.

In the USA the scammers are mature and the banks wary and use obsolete gear = lots of skimmers. Canada is wary, better tech, harder for skimmers

I would say this is a little too cynical. Banks in Australia I would say are quite sensitive to fraud now given the recent royal commission.

More likely is just that they don't care or understand the value of it, and most consumers don't care or understand the value of it.

Yes, a little of the cynic exists in me about banks.

I once had my card skimmed while I was overseas. Westpac reversed all the transactions and sent me a new card.

That was good on their part.