[smsm42]

> it's "solved" my moving as much of the burden and repercussions onto the consumer as possible.

I've had fraudulent charges on my credit card several times, and I've had checks stolen, and in no case I had any repercussions and financial burden shifted on me. I didn't pay a cent, and both credit companies and banks never tried to claim I am responsible for it - they rolled back the charges and reissued account numbers and that was it for me. Maybe I'm just exceptionally lucky, but my impression from other people that this is what happens in most cases like mine. Of course, whole full-blown identity theft is a different matter, probably harder to handle.