In this case it was very helpful to illustrate my point.

It showed his October footprint was 3X the national average (helpfully highlighted in the app with an Orange/Red bar) and this isn’t even his main account used for normal purchases - he happened to buy plane tickets that month with that card.

People aren’t dumb, they’re just not paying attention. When their bank shoves it in their face like this, totally unasked, well they’re going to start asking questions sooner or later..