Your personal experience is not statistically relevant data. It is a major problem here in the US, not just fraudulent transactions, but people signing up for credit cards in your name since the equifax data leak, people creating fake ids to be used to reset your accounts in person, constant phone calls attempting to scam people, and even letters in the mail withhuge print saying “last notice - important - pay now” with very small print saying “this is an offer not an invoice” or like that tricks the elderly and those not careful. All of these and more cause massive amounts of fraud in the US.