How often is your info even compromised? (Score 2, Insightful)

With all the times you use your atm card, in all the different locations, how often do you find yourself calling up the bank and having to report fraud on your account because of someone stealing your card and pin number? If these things happened often ATMs would not have become such a necessary convenience. I know in the past 10 years when ATMs have really been readily available my account has never been compromised due to me losing my card and someone finding my pin, and I'd say that is the same for most people. Isn't that why most banks offer fraud protection anyways??