> It surprises many people to learn that the United States aggressively defends customers from fraud over some payment methods

I feel like that needs a "(currently but not for much longer)" caveat[0] to avoid being wildly disingenuous.

[0] https://www.politico.com/news/2025/11/11/trump-administratio... - "the CFPB [...] anticipates exhausting its currently available funds in early 2026.”