{"product_id":"the-cost-of-fraud-cole-meridian-9798186444251","title":"The Cost of Fraud: How the System Splits the Crime and Keeps You Holding the Bill","description":"You absorbed the fraud. They absorbed the ticket.\u003cp\u003eWhen your debit card is compromised, the bank reverses the charge. Nobody reimburses the forty hours on hold, the bounced rent, the late fees, or the stress. Visa reported $40 billion in prevented fraud in a single year - while the FTC logged $12.5 billion in \u003ci\u003ereported\u003c\/i\u003e consumer losses, climbing 25% year over year.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eThe Cost of Fraud\u003c\/b\u003e is investigative consumer-advocacy nonfiction for readers who want the math, not the marketing. Security researcher Cole Meridian argues that fraud is a \u003ci\u003eshared\u003c\/i\u003e problem with radically \u003ci\u003eunshared\u003c\/i\u003e costs: criminals create the damage, providers control the infrastructure, government funds both offense and defense - and consumers absorb the time, money, and permanent vulnerability.\u003c\/p\u003e \u003cp\u003eIn fourteen data-heavy chapters you will learn: \u003c\/p\u003e \u003cul\u003e\n\u003cbr\u003e\u003cli\u003eWhy \"zero liability\" is a network policy, not a law - and what Regulation E actually costs you on debit\u003c\/li\u003e\n\u003cbr\u003e\u003cli\u003eHow $172 billion in invisible card fees became a household tax\u003c\/li\u003e\n\u003cbr\u003e\u003cli\u003eWhy SS7, DNSSEC, and SIM-swap vulnerabilities persist decades after public disclosure\u003c\/li\u003e\n\u003cbr\u003e\u003cli\u003eHow AI collapsed the skill floor for phishing, pig butchering, and deepfake voice scams\u003c\/li\u003e\n\u003cbr\u003e\u003cli\u003eWhat UK-style reimbursement, provider liability, and adversarial consumer tactics could actually change\u003c\/li\u003e \u003cp\u003e\u003c\/p\u003e \u003c\/ul\u003e \u003cp\u003eAngry but controlled. Every major claim sourced. A steelman chapter engages the strongest counterargument. For readers of Ralph Nader, Brian Krebs, and anyone who has spent a Tuesday on hold with a bank.\u003c\/p\u003e \u003cp\u003e( 71,000 words.)\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Cole Meridian\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9798186444251\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 07\/08\/2026\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 308\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.82lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.00h x 6.00w x 0.77d","brand":"Cole Meridian","offers":[{"title":"Paperback","offer_id":50665843032319,"sku":"9798186444251","price":17.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/files\/img_7453aab7-3463-4b81-a69b-7b6731d383a1.jpg?v=1792014207","url":"https:\/\/www.whiterainbookhouse.com\/products\/the-cost-of-fraud-cole-meridian-9798186444251","provider":"WR Book House","version":"1.0","type":"link"}