It's actually worse than that because if the banks are paying, we could say it's a zero sum game. Whatever I lose, I gain back. The problem with this technology is that they actually present a threat to our privacy like we've never seen before. We cannot turn off these cards. They're not only transmitting what you're paying, they're always on. A store could set up a detector of these cards, and they would know that you are the same guy who came two weeks before to buy that hat, or that you are the lady who came the day before to ask for that fur coat, whatever. This could be done not only for marketing purposes but for tracking purposes, stalking purposes, even security breaches.
They've created a problem that is much bigger than the one concerning Internet banking fraud.