I use a card for absolutely everything and life is going great. I don't have much money to steal but I know plenty of rich folks who carry no cash, ever, except maybe a couple dollars in the console of their car for meters but those even take cards now.
Losing any $$ through cc fraud is a non-issue. My cc #s are out there on the web all over the place, auto bill-pay, amazon, you name it. If cards were not safe, the companies could not make trillions of dollars on everyone using them for everything. Guarantying your $$ is a big part of that equation.
What exactly are you guys who eat @ Denny's afraid of?