Yes it happened to my parents a few years ago got done for 8 grand the bank paid them back but it took a few weeks to get the money . Sorry do you mean by skimming that the card reader has been replaced with a fake one or when some one uses a rfid device when they walk past you. In Australia the government will cover up to $ 250,000 grand i think for each account holder if the bank goes under .but not all banks have this protection. So may be the banks might work to that sort of figure
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What i am referring to are where machines that copy your card. It can be atms or pos devices. I haven't encountered NFC devices copying your card yet thankfully but where I am based a lot of atms were stealing card info from people. I assume that is how I was scammed a few years ago as my card wasn't stolen.
When your just using you're card over the net or phone to pay for things there is a whole host of other ways to scam you.