Except getting skimmed and disputing charges is annoying, not something I care to deal with. I'd rather we have more secure infrastructure that doesn't sustain criminal activity.
I've been skimmed twice, and both times the (major US) banks made it super easy to dispute and I had my money back in a matter of minutes.
Now I keep a low-limit branded gas card that can only be used at gas stations. Go ahead and skim me. All they can do is charge $30 worth of Munchos and beef jerky.
It takes 5 minutes and a few clicks on a web site now a days. I'm all for more security too but like OP it isn't really my responsibility nor my liability so I have little care.
My last bank made that easy. But required a new card and a new PIN, and immediately and automatically cancelled the old one. As I was abroad at the time, this was not a fun process. Not that it's particularly fast even if you walk into a branch.
This is one of the reasons I think it's important to have more than one credit card when traveling (especially abroad). Redundancy in case one get shut down at an inconvenient time in an inconvenient place.
Now I keep a low-limit branded gas card that can only be used at gas stations. Go ahead and skim me. All they can do is charge $30 worth of Munchos and beef jerky.