You become the victim of a phishing scam and, not thinking straight for a moment, you pass on the access data for your account on a fake website. Your account balance at the time was around CHF 15 000. The scammers withdraw all the money. You file a criminal complaint and inform the financial institution, but unfortunately the bank is not liable for the loss. However, as the holder of a Platinum credit card, you benefit from online account protection: thankfully, the insurer reimburses you the CHF 15 000.