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There are consumer protection laws in place wrt to your liability based upon discovering fraud. It's something like no liability w/i 48 hours, $50 in liability with 1 week, full liability after that. I may be getting the specifics wrong, but the gist is correct.

It sounds like your bank has made the decision to eat the small liability as a customer value add.

One of the reasons why people are often wrong about CC being safer than debit is because many banks will also make you whole the next day after reporting fraud rather than waiting for it to process before returning the funds. They're not legally required to do this, but neither are credit card companies, both are doing it to gain customers.