[lionelione43]

You basically need to file a police report about the theft, and the bank will probably know where the money was sent/spent, and the police ideally would investigate and subpoena the records of wherever the money went and presumably discover if it goes back to you somehow. The first liability thing says you cannot have "contributed to its unauthorized use". I mean realistically someone could possibly do it and get away with it, but I mean people could realistically do many types of fraud. Most could realistically probably get away with it. It's more a guarantee to people that if they get hacked somehow other then giving naughty little Johnny/vindictive ex Jane the bank card and pin, they can get their money back.