FWIW, I don’t know how anyone lives without ShopSafe.
I use my CC online quite a bit (I imagine many Fatwalleters, and, by extension, most Phatwalleters do too), and I used to average one fraudulent charge every two or three months. I’ve had ShopSafe for 15 years or so, and not one fraudulent charge in all that time.
It’s also perfect for signing up for offers where some sleazoid vendor wants your CC "just for verification, we promise". When that happens, I generate a $1 ShopSafe number and tell them, “no problem, here you go!”
Unfortunately, the only banks I know issuing cards with ShopSafe are BofA and Citibank. But if anyone else knows of any, I’m all ears!