While visiting family out of town, Pam went to the store to buy some groceries, however, her attempted purchase was canceled, and her card was denied. Pam got in the car very frustrated, knowing she should have received an automatic paycheck deposit into her account. Pam contacted the number on the back of her debit card and was informed that her account was flagged for fraudulent activity that had been occurring over the past 48 hours. As a practical matter, does it make sense for the customer to bear primary responsibility for discovering instances of fraud? Which party is in a better position to detect any irregularities? Explain customer negligence and bank legal responsibility