@edgarblythe,
Not all is bad: I lost my ATM and credit card on the beach and both cards were taken to my BofA branch. Pretty decent! After that I put my cards on Apple wallet on my phone and pay through there, no physical card needed.
In the old days, my card was compromised a few times at gas stations I didn't use regularily , it was always somewhere on the road. I guess the attendant can look up the card and zip code in their system. Now I have an e-car and don't need a gas station anymore.