Consumer protection effectively does change if its enforceability changes. If a system's security is improved (or at least the security theatre is improved), it's easier to disbelieve victims of fraud, and even accuse them themselves of fraud. This is especially true when existing known vulnerabilities are closed, and fraudsters begin using new vulnerabilities.

To use an analogy, it would be like if you improve the reliability of a product you make, then start saying those who RMA your product must have damaged or mishandled it for it to be broken, and deny them their warranty.