How do you think that credit cards work? I assume you have one. Or bank cards.

I steal your credit card and spend $80 to fill up my gas tank and then go buy a pair of sneakers, who do you think pays for that? It's not you. It's the credit card or bank company. And then they call and ask if it was fraud and you say "yeah, it was fraud. I was nowhere near a Foot Locker in Gary, Indiana."

So they "reverse" it and they absorb the loss. It's how the entire credit financial system works. I'll send you some books you should read.