I don't disagree with anything you say above, and I am personally pissed at Sony for not keeping my personal info safe. I don't care that much about the credit card info (since it was encrypted), as I see not a single compelling reason to believe there was any hack related to that (not to mention most credit card have fraud protection). I am not blaming people who want to change their card, but those who go screaming 'my card was hacked because of the PSN', or those who use these guys as evidence of a credit card problem, make me want to make fun of them, as the odds of them being right are low (I won't make fun, though, because it does suck to suffer from credit card fraud).