What do you think of the European practice of holding consumers more accountable for the losses incurred from skimming of ATM cards?

Read Sidebar 5-5 on page 324 in your textbook.  Then respond to the following questions: 1) What do you think of the European practice of holding consumers more accountable for the losses incurred from skimming of ATM cards? 2) Are you concerned that your ATM card could be skimmed by a thief?  3) What precautions do you take if any?