The credit card is associated with a checking account. Fraudulent transactions on checking accounts and debit cards do happen, with or without an ATM. They do occasionally get reported in the news, and the bank will not protect or refund you for them, especially if it's large.
"The Electronic Fund Transfer Act (EFTA) and Regulation E apply to an electronic fund transfer that authorizes a financial institution to debit or credit a consumer's account. 12 CFR 1005.3(a). The term account means a demand deposit (checking), savings, or other consumer asset account (other than an occasional or incidental credit balance in a credit plan) held directly or indirectly by a financial institution and established primarily for personal, family, or household purposes. 12 CFR 1005.2(b)(1). It includes a prepaid account, as defined by Regulation E. 12 CFR 1005.2(b)(3)."
"Unauthorized EFTs include transfers initiated by a person who obtained a consumer’s access device through fraud or robbery and consumer transfers at an ATM that were induced by force."
"If your debit card or personal pin identification number (PIN) was lost or stolen, you must notify the bank within two business days after learning of the loss or theft. The bank cannot hold you responsible for more than the amount of any unauthorized transactions or $50, whichever is less. However, if you notify the bank after two business days, you could be responsible for up to $500 in unauthorized transactions."
Perhaps this is a little illuminating as to why your anti-fiat arguments fall on apparently deaf ears.
The cost of an authorized stablecoin transfer is.
The cost of an unauthorized stablecoin transfer is infinite. The cost of an unauthorized credit card transaction is $0.