If you lose your card, you're not going to lose any money as it's going to be taken care of by your bank.
The bank takes care of it by taking the money from the merchants, who now raise their prices to offset the fraud. You now get to pay higher prices for everything because credit card fraud is so pervasive. You think you're getting "protected", but really you're just paying for it up-front in fees and higher prices.
That's more or less a myth. The percentage of CC transactions related to fraud is tiny, look it up. Sure there are merchants whose business model puts them at a high risk for such fraud but those are also a tiny percentage of the market. The assertion that all prices are jacked up because of fraud is a vast generalization at best or a fabricated myth at best.
At the moment, when a bank raises its fees I think it's due to the economic situation in general.
The interests are low, so they search other ways to increase their income. I don't think that fraud cc transactions have much to do with that.