If this information falls into the wrong hands, a stolen or lost card provides criminals free reign to do as much harm as they want until the card is frozen by the bank. This is why it is so important that the rightful owner reports any suspicious activity on their card the moment they notice it.

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That doesn't cost an attacker anything. ¶ There are two responses to this: Compromised machines (that are "free" to such an attacker) used in this case have an opportunity cost to an attacker. They could be mining Monero with that CPU usage, instead.

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