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I don't feel I'm unsafe by inserting my card into a reader.

Totally agree. I don't feel unsafe either. For me, it's just a matter of convenience and not having to reach for my wallet. Plus, it's just faster. :)

I DO feel unsafe if I ever need to hand my card to someone. I used to have a hard and fast rule that I'd only pay cash in restaurants. That's notorious for fraud to occur as they walk away with the card. But now, I have a dedicated card used only for restaurants, so I don't worry, but of course keep a close eye on the online account.

...of course, restaurants are not something that's part of our culture right now.

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