bunq gives the power to you. If you don't care that much about security and want it more convenient? Raise the dodgy payments (at your own risk, not everybody elses)
I had it once, that someone wanted to book a painting course in the US, with my card. I only saw the canceled message because of a wrong CVC, and a low DodgyPaymentLimit, better safe then sorry.
Another merchant authorized my card, but didn't finalize the booking and as the authorization time was over: bunq gave the money back to me.
Other banks do sometimes a mix with more risk for them and there customers... But you don't see it, because it is magic behind the curtain. And in the end they distribute the costs to all.
I like at bunq, that I see and can control the risks and the settings! I know best, when and where I'm using my card next. And I know which risk I want to carry.