No point, banks are liable for fraud rather than the consumer. I believe consumer's liability is capped at $50-500 depending on how quickly the fraud is reported. Just make sure you don't wait past 60 days to report. Credit cards have even more protections.

These plans rarely pay out, and you'll likely spend more on subscription fees than they'd return to you in fraud payments.

https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-mon...