My experience with incompetent and lazy FIA and also Police.

[senses]

almost same thing happened to someone close, got her debit card stolen and upon realisation had already swiped it for 45000 rupees, called bank but to no avail,
In Pakistan, debit cards when swiped do not ask for pin hence very unsafe if you lose it
merchants are supposed to verify the signatures at the back of debit card but almost no shop keeper will even look at whether the card is even signed or not, once I was used my pak credit card abroad and upon swiping the prompt came on the screen to verify the signature, we are still so behind the common technology available
forget about police, without connections we are nobodies
so keep a tap on your card and if you lose it get it disabled immediately

True, but these days alot of vendors have started asking for PIN. A little late but nice step though.