[jjnoakes]

You aren't liable for credit card fraud, but that money comes from somewhere. Today it is a small percentage charged to the vendor; do they pass it on?

And tomorrow, when the problem gets worse and the fees start to climb, will you still not care?

Why be content with a system that may indirectly charge you for other people's lack of security?

Why not look for ways to focus the cost on the vendors who lack security?

[ek750]

Yes, you're right, they pass it on. But as costs start to get noticible to the involved parties (direct and indirect), hopefully that would prod the ones that don't care now, to start.