Are you seriously serious?
Honest customers will pay for the loss of product, money, time, or, more likely, all three, no matter what.
We have almost no fraud whatsoever. In fact, the only fraud that I've dealt with in forever-and-a-day has been 'honest customers' gaming the system. We get one once in a while. They are easy to find, and theft is overt.
However, whatever additional time/money we might throw down the hole is also going to get passed along and I don't have time for it.
For all their whining about merchants, 'honest' customers are the #1 thieves. Our last hit was $160. Thankfully we take very few losses. It helps that we have enough to do without taking on fraud prone niches.