Yup.

It’s not worth losing a job over something so trivial to get other ways.

And someone that stupid to risk a job would likely take it to a liquor store, or Walmart for impulse purchases. Order online with the number and pickup. Not something more sophisticated as you suggested.

Years ago I had a card that was likely cloned to be used at a liquor store, which was apparently down the street from where I legitimately used the card.

But back then magnetic strips were widely used, and cloning is trivial. With emv cards, it’s the default and beyond gas stations few places are even possible to use magnetic strips now.