I use a CC with a low limit specifically for internet purchases, I repay it straight away so I pay zero interest/fees. Over the last couple of decades I have known several people who have had their DC/CC emptied by hackers, in every case the bank was quick to accept blame and take the financial hit. It's in the bank's interest to do so because (like banknotes) CCs work on trust, if nobody trusts them nobody will use them. Nobody has ever emptied my CC (other than the ex-wife) but on a couple of occasions I have had a phone call from the bank telling me that my CC was being replaced by the bank because "it was involved in a data breach".
Dependency: Of course the people who can't afford to keep their CC balance at zero end up paying for my peace of mind via increased interest rates. Ultimately CC's are an unfair burden on the "working poor" and become "just another bill" when they inevitably hit their limit (been there, done that). The sad fact is that if everyone at every point in their life could afford to keep the balance at zero nobody would pay interest and CCs would not exist.