Sounds like you've been really lucky. I wouldn't say I've filed dozens of claims, but there have been at least 15 or 20, between my bank and Paypal, but then again, that's been across 14 years of electronic purchases. I joined eBay on Christmas Day in 2005, so that was the beginning of e-commerce for me!
A couple of times an in-person transaction started a problem. Someone in an area where we went on vacation once must have taken my debit card number, because they used it to get gas and cash at a Marathon station in that area twice. People have tried to do cash transfers, Target purchases, buying club memberships, all kinds of ridiculous things. One time my checking account was debited $9 and some change by someone who was not me, and when I called BoA about it, she said it was a good thing I called right away. Apparently there was a rash of those transactions out of a central European country; they'd take a small amount of money first, and if you didn't do anything, they'd hit you again in a few days for a big amount.