It is the consumer's problem for me. Because I travel a lot I get charges denied because the card company's computer decides the charge looks suspisious. I have to spend 20-40 minutes dealing with it on top of which I lose hotel reservations (last room available->charge denied->20-40 minutes to resolve->room gone) or I'm standing in a line to buy something, charge denied. Now I have to go somewhere quiet to spend the 20-40 minutes to resolve. Then get back in line. This happens about once a every 2 months. It's super annoying.

It's infuriating there's any chance for fraud at all when it seems like a solveable problem in 2015

Bank of America and Citi have virtual credit card numbers on a least some of their cards. I don't use it cause, why? It's a pain point to log in and generate a new one when I could just open up my password number and copy/paste the CC number. Especially when paying with PayPal or a site I've bought from before and already have my CC saved and I can just select it. It doesn't really effect me if someone steals my CC, I just call up the bank and they reverse unauthorized charges and send me a new one.