"I’m always surprised as to why people are concerned about card details misuse. You are not responsible for card-not-present fraud (without 3D Secure). "

I am not surprised. You have obviously never stood in Ethiopia or wherever and have gotten a call from your bank: " This is the fraud department, unfortunately we have to block your card but we send you a new one".

Trick question: How many CC do you carry at a given time?

Hint: based from experience it should be at LEAST 3.