What makes you say that security for cards is awful? The only time I had issues with one was with a debit card loaded with bitcoin.
The private key is 16 digits printed on the front of the card. There is no security whatsoever!
Not only that, but the name, expiration date, and security code are all there for anyone to see. All it takes is a cashier or waiter with a good memory (or just good stealth skills) to remember those details and use the card online to buy stuff.