In an alternative universe, the government could require banks to refund victims of theft and fraud. It's entirely possible for banks to do this without requiring you use a credit card, they just don't want to.

https://commonslibrary.parliament.uk/research-briefings/cbp-...

> Industry body, UK Finance, estimates that criminals successfully stole £1.28 billion through banking fraud and scams in 2025. Of this, £703 million was unauthorised and £576 million was authorised.

> Unauthorised fraud is where the fraudulent transaction is carried out by a third party, not the victim. Authorised fraud involves the victim being tricked into paying money into another account that is controlled by a criminal. This is also known as Authorised Push Payment (APP) fraud.

https://www.psr.org.uk/news-and-updates/latest-news/news/pay...

> Frontier found that APP fraud losses have fallen by an estimated £73 million per year and the number of APP scams have fallen by nearly 35,000 due to the policy. Reimbursement rates for all claims have risen from 54% to 65%, and for claims in-scope of the policy, firms are now reimbursing 97%.