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At least CC companies refund fraudulent charges, and banks also have a means to guarantee deposits. In addition, brokerages also have means to guarantee funds. For banks in the US, the limit is $250K, brokerages $500K. These are generally included with the accounts.In the meantime, I guess I'll use my highly secure credit card... those NEVER get compromised
Looks like cryptocurrencies have something similar, but you pay extra for it.