It's almost always an inconvenience, and doesn't cost you a thing. They refund the fraud, and send a new card. You might have to fill out some paperwork.

Are you asking if I lost money or was inconvenienced when someone stole my personal info? If I steal your medical records, are you only victimized if I share them?

I was sympathetic to your comments, but this is goalpost changing.

Credit card numbers and medical records are worlds apart in actual sensitivity.