where I live, if you are retarded enough to be scammed, the bank will NOT refund you;) - this would provide a huge opportunity for scammers ( as you can see it in the case of paypal )
survival of the fittest i guess
ps: so where you live if your card gets stolen and they start spending lavishly using contactless payment, yet you fail to report and block card they will refund you even though you were the one at fault?
if the answer if YES, I might emigrate there