[pfranz]

> I think the problem with APP fraud is a lack of user education (and maybe consequences - users expect the bank to always make them whole and so don't take security seriously) as well as insufficient enforcement on the other side

We know that banks don't want to discourage people from spending money or using their services, but even as a consumer I hate dealing with chargebacks.

My significant other doesn't watch their credit card statement and signed up for some LinkedIn service that was never used for like 6 months. LinkedIn isn't going to refund money that far back and chargebacks won't go back that far, either. I don't think any lesson was learned.

Maybe I'm more sympathetic to merchants and avoid charge backs? If I don't recognize a charge, I usually assume I don't recognize the merchant and investigate and reach out to them first. I feel like half the time I do have to issue charge backs the bank invalidates my card (even though I know it was not lost or stolen). I feel like they're penalizing me.