"Oh, and they need to protect personal information. They sure don't cut their customers any slack. They shouldn't get any, either."
I was told, while working for a good-sized mail order catalog business years ago, that if I had any clue just how much fraud was built into the system, in the credit card industry, that I'd probably cut them all up and throw them away. This was pre-9/11, and even then, a large amount of the fraudulent transactions were suspected to be tied to terrorist groups. Used to get bulletins all the time, from the FBI, to this effect.
What many credit card companies charge is immoral. I agree they should get no slack. Dealing with fraud is a few legitimate functions of govt. These credit card companies need to be punished big time when they loose customer data.