I agree, the change needs to be viewed overall. The liability shift is a godsend, it also decreases customer support contacts to verify if the order is fraud or not.
Also, paired with 3DS2's frictionless flow we actually saw a small uptick.
You have to consider as well that the typical down-payment for an apartment is around 40k EUR. So it's incredibly frustrating for those that are looking to save.
Are you asking, at what percentage DO the tolerant actually flip to become the intolerant? This is a good question, though probably impossible to answer with any precision.
I fear that it happens a lot more frequently than most people are willing to admit.
Just day to day or do you have an app or something that the people follow?