You aren't liable for credit card fraud, but that money comes from somewhere. Today it is a small percentage charged to the vendor; do they pass it on?
And tomorrow, when the problem gets worse and the fees start to climb, will you still not care?
Why be content with a system that may indirectly charge you for other people's lack of security?
Why not look for ways to focus the cost on the vendors who lack security?
Yes, you're right, they pass it on. But as costs start to get noticible to the involved parties (direct and indirect), hopefully that would prod the ones that don't care now, to start.
And tomorrow, when the problem gets worse and the fees start to climb, will you still not care?
Why be content with a system that may indirectly charge you for other people's lack of security?
Why not look for ways to focus the cost on the vendors who lack security?