Comment by charcircuit

All of ecommerce is built on top of encryption with a non 0 chance of being cracked. The risk is much smaller than the benefit so people are willing to use it and then deal with whatever potential fraud comes from encryption being broken separately.

Technically a merchant could require meeting in person to exchange a OTP to avoid this and make it 0 but it is not worth it and you will get out competed by other businesses willing to take on a marginally higher amount of risk to unlock a lot of utility for the user.