That's assuming that you notice the fraudulent transaction, meaning you have to monitor your account regularly and carefully look at each transaction to verify it's legitimate.
Its a decent amount of work if you are upper middle class. If you are scraping by with less than $400 for emergencies like 40% of America, losing $25 is probably a flashing red light.
In my experience, people who are "scraping by" usually have to work a lot more than we do, sometimes at two or more separate jobs. That's even less time to sit around and review credit card bills line by line.
That's a decent amount of extra work.