While I agree that allowing a fraudulent charge to appear on your card in the first place is user error (they should all be paused when not in use, and anything that remains unpaused should have strict spend limits set to within a dollar), the inconvenience of doing this properly can be too great for someone who makes purchases regularly.

Or someone who uses Amazon at all, because they don't actually charge your card when you make a purchase, they charge it randomly about 6 hours later. This trips me up all the time.