Spending your life's savings at Hippopotamus

I work in a call center in which we detect fraud on peoples credit/debit cards and then call them to verify the activity.  About 25% of the calls result in actual confirmed fraud.  Of those confirmed fraud, at least 25% of those go a little like this:

Me: Did you charge $525.42 at the fish market in Guatemala?
Caller: No!  I'm from the great state of Texas!  I eat beef.
Me: Well then because there's fraud on it, I will need to report your card stolen and get it shut down for you.  Can I verify your current mailing address?
Caller: Wait!  You can't shut my card down!  Don't shut it down!  I use my card every day, I won't have any more money!
Me: Umm, hello stupid, they're stealing your money.  Do you understand that?  You can probably live without your debit card for a week.
Caller:  I don't care--you just can't shut my card down!
Me: Well then how do you want me to get them to stop stealing your money?  Should I call them up and ask them nicely?
Caller:  I'll just pay for it.  Just don't shut my card down.

or

(my favorite)
Me: Did you charge $0.67 with Hipermás in Costa Rica last Tuesday?
Caller: No?  Costa what?  Is that in South Carolina?
Me: No, sir, that's in Central America.  It's like America, but Central.
(I'll buy you a cookie if you can tell me what movie that's from)
Caller: Well I've never been there!  Who would steal my card number?
Me: You know, sir, there are a variety of ways that people can get ahold of your card number.  Because there is fraud on it, however, I will need to report it stolen and get it shut down.
Caller: No!  Don't shut my card down!  It's only 67 cents, I'll just pay it.
Me: Yo, dummy!  What?!  Do you think some criminals are just less greedy than others?  Do you think they're stopping at 67 cents?  No, you fool!  They're making sure it's a legitimate card number.  Guess what!  They found out it was.  Now they're going to take your entire life savings.  Can I shut the card down now?
Caller: You know what?  No, I actually was in Costa Rica.  You said that was in Africa?  Yeah, I was there.  Completely forgot about it.  That was me at Hippopotamus.  I charged the 89 cents.


At what point are we this obsessed with convenience that we would rather continue allowing people to steal from us?  Seriously?

Being able to laugh at customers is just one more little way of finding hope in the darkness that is my job.