We count on being victimized by credit card fraud.
The auto payment of bills is done by one credit card with a high limit.
The credit card used in stores and online is another with a low limit.
When the low limit card is hacked, the auto pay does not need to be set up again.

There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self. -Ernest Hemingway
The man who makes no mistakes does not usually make anything.-- Edward John Phelps