[psychlops]

When losses are socialized, fraud is someone else's problem.

[lotsofpulp]

Yes, which is a big reason to use credit cards.

[maest]

You're still paying for the cost of fraud, so it's not really someone else's problem.

[lotsofpulp]

If I do not have a choice to pay a lower price without fraud protection, then it makes no difference.

If the merchant charges extra for credit card purchases, then it becomes something to consider.

[psychlops]

In the netherlands, you can use iDEAL for a lower price.

[rchaud]

Until annual card-related expenses reach the equivalent of paying someone to personally guard your money, it's immaterial.