A secure democratic Net is a fundamental right

So from the information collected we understand that the banks have for online shopping very few controls if only the bankaccount is used and not the creditcard. (One option is to close down that option for online shopping untill the crisis is under control). 

We are near christmas ...... how online shops will be able to filter out fraudulent shopping is a question to me

And from the rest I understand it will be the banks that will be responsable for the losses that the online shops will have because of compromised bank accounts. It will not be possible to find the frauds because after six weeks they will be gone - or would have used hacked computers or accounts. 

So the online shop will get the lost money from the bank. So we have take 21 million accounts. Even if one million is used for 10 Euro a piece that would make 10 million Euro's. Provisions being made ? This is toxic money ..... 

Online shops could also stop shopping from all countries they didn't have trafic from before (russia, romania,....). If I would have a german online shop today (or accept german bankaccounts) than I would definitively put on IPlocation tracing and block all non-german traffic for german bank accounts. You should also block botnets and proxies. That is if you want to keep the german bankaccounts as a way of online payment. If I take everything into account that you should install to limit eventual fraud, than the cost of leaving that option open is enormous.... Will not be worth the service especially in this crisis christmas in which you will have to keep prices down by keeping costs down.