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The Cost of Fraud: How the System Splits the Crime and Keeps You Holding the Bill
Paperback
EconomicsGeneral Political ScienceComputer Security
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Publisher: Independently Published
Pages: 308
Weight: 0.82
Height: 0.77 Width: 6.00 Depth: 9.00
Language: English
When your debit card is compromised, the bank reverses the charge. Nobody reimburses the forty hours on hold, the bounced rent, the late fees, or the stress. Visa reported $40 billion in prevented fraud in a single year - while the FTC logged $12.5 billion in reported consumer losses, climbing 25% year over year.
The Cost of Fraud is investigative consumer-advocacy nonfiction for readers who want the math, not the marketing. Security researcher Cole Meridian argues that fraud is a shared problem with radically unshared costs: criminals create the damage, providers control the infrastructure, government funds both offense and defense - and consumers absorb the time, money, and permanent vulnerability.
In fourteen data-heavy chapters you will learn:
- Why zero liability is a network policy, not a law - and what Regulation E actually costs you on debit
- How $172 billion in invisible card fees became a household tax
- Why SS7, DNSSEC, and SIM-swap vulnerabilities persist decades after public disclosure
- How AI collapsed the skill floor for phishing, pig butchering, and deepfake voice scams
- What UK-style reimbursement, provider liability, and adversarial consumer tactics could actually change
Angry but controlled. Every major claim sourced. A steelman chapter engages the strongest counterargument. For readers of Ralph Nader, Brian Krebs, and anyone who has spent a Tuesday on hold with a bank.
( 71,000 words.)
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