I understand the concern, but between a dozen different issuers and over 100 different accounts, split between different User ID's and passwords even with the same issuer, logging in yourself just isn't that practical on any scale.

And in the couple of instances where I have been the victim of credit card fraud, it was the fact that I check Mint.com on a daily basis and see every single transaction very quickly, means it was caught much earlier than it would by the odd login to separate accounts. Accounts were closed before transaction even went from pending to posted (which for most websites would not even be seen on a cursory glance)

There is for sure some risk that things could go wrong, but I equate it to the risk that iPhones not switched "fully off" will cause a plane to crash. There is a theoretical remote possibility of the feared event occurring, but in practice every day millions of us go day after day without any incident.