I think that this is extension of semantic play that such leaks lead to "identity theft". Even if you took due diligence to protect your credit card and SSN or other personal info after the fact you are being played as "victim of identity theft". No it is not identity theft that someone used yours info to take fast loan or buy bitcoin with your credict card that incompetent business lost and now you are SOL with ruined life/credit score - it is bank fraud and banks should stop making it look like it is not their problem/fault.

It even is stamped on CC that it is property of the issuing bank. So you made it such way that skimmer can copy your card at gas station and empty someones account in few minutes but you are not part of the problem at all? Then what is the point of of plastic other that milking fees?