I've only had one incident of someone trying to defraud me using my card in the last few decades and the card vendor instantly blocked it and texted me. I am obviously only one person but I have been careful where I use that card. If I suspect anything I just report it stolen and get another one. That only takes a few minutes at the bank. With exception to Amazon I only use it in places that everyone knows me and I know everyone. Most of the time I use cash, especially if buying anything the government may wish to track. I will never tie my fondle-slab to a financial institution. To many entities have access to it.