[mcv]

> Sadly in Europe a lot of these transactions are done on debit cards, which make redress much harder if not impossible - once the money is out of the account, it's gone for good.

While this is true, it's also much harder to do a fraudulent payment. The card number itself is not enough; you actually have to go through the bank's payment system with its 2FA, and that's not something a thief can easily fake.