The fundamental problem is that credit cards are built around a model where credit card numbers are theoretically supposed to be secret, but every random retailer has to have them to process transactions. If credit cards were electronic devices, like in Europe, rather than fancy pieces of paper with a number written on them, then fraud would drop, and retailers would be freed of a massive burden. But American banks aren't up to the task of creating that sort of infrastructure, so instead they blame it on whichever poor retailer happened to have its computers broken into.