> All the stolen money was restored within a few days. It was not a big deal.

You just agreed with my premise but that in your case the dollar amount was low enough to be inconsequential. If someone ran up $5k of charges on your card right before you needed to pay rent/mortgage/whatever, this would have been far more annoying.

Also - credit card protects you from this scenario, for free, or in fact pays you money with any of the cash back cards.