Ah man. I had $1,100 stolen from me as well back in 2011. I got it all back in about a week, but it was such a pain in the butt. Credit Cards were developed prior to the internet. From a purely logical perspective, the banking systems as it exists today is ridiculous.
"Oh, here's the combination to my safe. Please only take out what you're supposed to."
What a joke.
If governments didn't have a monopoly on currency creation backed by a monopoly on the use of force, these archaic systems would have been innovated away a long time ago.