Yes, which is a big reason to use credit cards.

You're still paying for the cost of fraud, so it's not really someone else's problem.

If I do not have a choice to pay a lower price without fraud protection, then it makes no difference.

If the merchant charges extra for credit card purchases, then it becomes something to consider.

In the netherlands, you can use iDEAL for a lower price.

Until annual card-related expenses reach the equivalent of paying someone to personally guard your money, it's immaterial.