My brain hurts
I had to get a credit card replaced, and the card company's voice prompt asked me this question: "Do you have a lost or stolen card?"
Unless it's a trick to ferret out dimwitted ID thieves, I'm not sure that the answer to that would ever be "yes," rather like the old conundrum, "Are you asleep?"
So, if I wanted to report a lost or stolen card, I'd have to lie and claim that I had one, and that would be unethical. It's hard staying on the straight and narrow, ain't it?