While gas stations are one place that cards are skimmed, your bank representative was incorrect in stating that most skimming happens there. Actually, most thieves make their first purchases at gas stations. Skimmers are frequently attached to gas pumps but are also placed on ATM machines. Even more frequently they are skimmed by employees who take your card out of sight to process a transaction, such as at a restaurant. Information is also stolen when you purchase something over the telephone such as from a television infomercial.
It's important to really take a look at the gas pump or ATM before swiping your card. The skimmers are good, but there are some tell-tale signs, such as the card swipe covering text on the machine, is loose or the color is slightly "off".
If you're eating out at a restaurant where your server takes your card away to process payment, it's at risk of being skimmed.
Even I, a former fraud investigator and crime prevention specialist, was the victim of fraudulent activity on my debit card. I still use it frequently. There is no form of payment that will guarantee you will never lose your money to criminal activity or human error. All you can do is to continue to be aware and do whatever works best for you.
There are two types of people in this world: Those who can extrapolate from incomplete data.