I honestly don't understand your threat model here. from the post I originally replied to, it's clear that you already understand that you can easily reverse unauthorized charges to a credit card. if you're already reviewing your monthly statements (which you really should be, as part of sane budgeting), this is basically a non-issue. you tell your cc issuer you suspect someone has stolen your credit card info, they cancel the card, and you can probably even get them to ship you a new one overnight. it's unlikely things even get to this stage though. card not present with no cvv is already the most highly scrutinized type of cc transaction by the processor.

I guess someone could probably treat themselves to their own monthly takeout order without me noticing for a while, but at least to me, this minuscule risk does not seem worth the mitigations you are taking.

I challenge you to quote me saying I don't order takeout.

Furthermore, many people use debit cards backed by an actual bank account and the vast majority of people can't afford to have those drained in any meaningful fashion without experiencing some severe consequences.

And thirdly, when the equifax breach happened I didn't bother doing anything. Why? Because I do NOT have the attitude that it's ok to be defrauded of money since someone else will pay for it. There was nothing for them to go after.

No but you'll get all of their charges reversed and then get a new card.