Yep, that would get it! This guy is answering a question that nobody asked (nobody in this forum, anyway), and that really doesn't matter all that much for U.S. consumers. We have the protection of a maximum $50 liability in instances of credit card fraud, and that is reduced to $0 liability by competitive pressures in the market - a situation that has been stable for the last several years, and is likely to continue for awhile. So, the consumer is not really threatened much by credit card fraud - it's a nuisance, but it's not hard to deal with unless you just aren't paying attention to your financial affairs.
25 years ago, I had both my cards compromised (only had 2 then) the same month, likely my own carelessness. That experience was really quite comforting - cards replaced immediately, no liability for me, and no lasting issues. The system worked to protect my interests! ^^
No further credit card fraud issues since then until last Sunday, when I got a text message saying one of my cards had just been used to make a bogus foreign transaction - one of several alerts that users can set up, as I'm sure many of you have done. Within 15 minutes of receiving that text, the card is cancelled, and a new one is on the way. Only hassle for me is to switch around the auto-pay arrangements I had set up on the old card. That's a nuisance, but not a financial calamity for me. And because the card issuer (Chase) is smart enough to offer a variety of fraud alerts to card holders and I have enabled them, their liability is only that one $15 bogus charge. Again, the consumer (me) is protected just like it's supposed to work. ^^
So, am I scared to use my credit cards? Heck no. Am I going back to all cash? No way. The Gartner guy is just doing what consultants do - tossing off opinions on stuff. (I can say this because I'm a consultant myself, but not in this field.
) Now, let's get out there and charge some stuff!