I don't see how credit card fraud is the customers' problem. Max exposure is $50. When you file a chargeback, you get the money credited back on CNP transactions. Merchants are the ones who get nailed. Not only for the lost product but also the fees associated with chargebacks. As an e-commerce merchant, i would love to have more protections against fraud especially the increase in friendly fraud(customer defrauding us by use of chargebacks). As customer, i would fear burden of proof shifted to me instead of the merchant when dealing fraud. This is why i don't use 3-D Secure(verified by visa) online or PIN based transactions at stores.