

The liability is obviously not high enough if keeping and sharing this data works out positively. Even if the parties involved weren’t obviously evil, the risk to the people is too high for them to accept the risk with only trivial, speculative improvements.
That’s fine if your bank provides tap-to-pay plastic, but not all do, so you end up more vulnerable to skimmers.
https://usa.visa.com/pay-with-visa/contactless-payments/contactless-payments.html