Comment by rationalist

> This is also partially that people don't put critical bills on their credit card typically

This is probably atypical, as the average people I know put their critical bills on their main credit card that they use everywhere:

I put my autopay bills on a credit card that sits in my safe. The only reason it would see a fraudulent charge is if one of the few companies that has the card information, is hacked. And that actually happened once.