I believe that.
However, as patio11 said (and surely not the first), the optimal amount of fraud for a payment system is non-zero. Profit is higher when convenience is prioritized over security.
Similarly, it seems the optimal amount of crime for a government is not zero either. Everyone breaking the law allows everyone to be dealt with as needed. Sure I keep a low profile, and they probably have a full profile on us already, but it doesn't feel satisfying helping out.
On the other hand, despite my better judgement I let Japan take photos of me, etc. Who knows what they do with them.