It's the banks problem, to be frank. If you're in the US, your liability for fraud is capped by law at $50 per card.
this post was submitted on 10 Feb 2024
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I don't. But even if I did, I wouldn't have much use for it as I use single-use debit cards generated via my bank app or TatraPay (my bank's instant method of QR code payments) if the merchant has that option. I just wish there was a universal method for instant QR code payments. It's pretty convenient.
I don't think that is encrypted at all. Just like your passwords and cookies, they aren't either.
If you have malware on the machine it could just steal it when you use it the next time.
I simply do not use this feature.