You're right of course, the nonzero percentage of fraudsters isn't high enough to cause a statistically impactful problem, I suspect. The deniers who make noises about faking cards and who are actually going to go beyond talk to action can't be that numerous, despite their appeal to sensationalist journalists.

Once the pandemic is well and truly past, as is not that far in the future in places like NY, those few activist deniers' remaining impact will be even easier to handle than it is now.