uh... people are not very smart.
Crooks cost people more. The debt in CC theft is in the billions if not trillions. Not only is there the CC theft but the person's identify which also costs consumers money. The Russians are probably the worst offender, if not China, in credit card fraud.
This is a brief on how banks work on fraud
Scammer steals money.
Customer sad, reports theft.
Bank returns credit to the persons account, does nothing to apprehend the criminal.
Trying to investigate or find the criminal of the theft costs more money than to let the money go.
I've personally had my credit card number stolen and used for a world trip, of which the person did take the trip before the chargeback/fraud report completed. Some Arsehole took a world trip on Emirates airlines, yes the one from Arab country, to other places. France to Arab, Arab to India, India to China, China to Arab, Arab to France. Of course the person would get on in Arab country and do what dirty stuff he needed to do. Makes you wonder if the person wasn't part of the terrorist group which attacked India a while back.