[pessimizer]

Google is worse without question. Having your card number stolen is a minor inconvenience whose danger is inflated by services offering to protect you from it. Happened to me once, they charged $1500 before my credit union called me. I had to spend a total of an hour on the phone with a few different people, and the money was credited back to my account within 48 hours. This is with a debit card, which are constantly subject to FUD on this issue from the vendors of credit cards.

[d1zzy]

Note that you provided reasons as to why having debit/credit card information stolen isn't such a big deal, if you get protection from fraudulent transactions, but haven't provided any reasons as to why Google targeting ads based on some profile they built on you is worse than that.