God we are ruled by morons.
Do they even have any evidence that this is the case?
And I'm pretty sure they're rather traceable as I'd expect that the card has an identifier that will flag up where the card was topped up and at what time, most of these locations will have some form of cctv or a person with a memory of somesort (neither are perfect, but likely easier to track then stolen cards/details)
Should Banks be liable for the abuse when a card is stolen and used? Or just the poor sod whose details were stolen?
Joined up thinking? We've heard of it.