Their contracts with credit card companies forbid different prices for credit card and cash. It's slightly insane IMO.

That used to be true, but it was ruled illegal and so it is not anymore. See https://www.washingtonpost.com/business/capitalbusiness/as-r...

I had around $25K stolen via a skimmed debit card from my Chase checking account (in a few hundred separate transactions). I finally noticed after about 6 weeks; they never did until I told them. This despite the fact that all the fraudulent transactions took place at least 100 miles from my residence, some as far as 2000 miles away. I did get all my money back eventually, but it took a month or two and a ton of back-and-forth in person and on the phone to sort out the bad transactions from the good ones (mostly due to their lack of attention to detail). I stopped using debit cards after that (and started monitoring my daily balance).