my opinion on cloned CC is that it is complicated and technically difficult. i read about it for some time but i have come to realize that maybe i am wrong but in order to clone a card and withdraw money from it you need a software (EMV chip reader writer software) which will write the stolen data from the foreign CC to a clean new card. with a chip and a magnetic spring such software is available only for banks and costs around 30K I found on DNM different sellers who offer such pirated software for 1k but everywhere I came across that they are scammers and that no such pirated software exists there is only original licensed software available for registered companies.
Once it was possible it was easier because the data (tarck1-3) necessary for writing were stored on the magnetic spring of the card but since the new cards with EMV chip it is more complicated but not impossible you would have to know how to do it and I haven't seen that.
to get the data from a foreign card you need a skimmer and a fake keylogger or a mini-spycam placed on the ATM pointed at the keypad pin to record the pin, there are many sellers of this device but many of them are scam it's a risk one of them is
https://t.me/SKIMMINGpARTs
but I've also read that it's a scam but it could be a false lead from a competitor I don't know.
It's definitely worth studying personally I think there will always be hackers who will be able to exploit the financial system.