in the old days, you were hanged for stealing a horse
serious stuff, the punishment fits the crime and it is a good deterent.
if nothing happens to the hacker, then there is no punishment or deterent to do it again, like poachers in fishing.
blaming the CC co. is like saying too bad it's your fault you left your rod on your roof while you stepped away for a moment, so I guess you might as well just hand to someone if you are going to leave something for a moment unattended
maybe someday soon they will get it together and be able to be a step ahead of hackers and thieves. It is costing consumers millions