Given a "third party" lost my PCI data, and caused a cascade of events and expenses for others, that there had to be an equitable way to pass through the cost and expenses to the party responsible for the events.
The unrestricted flow of information over the Internet and social networks provides an opportunity to one of mankind's most glorious times. If we don't protect the public, this could easily become a mean of chaos, repression and dominance.
It's always good to know what to do in case lightening does strike and someone fraudulently uses your card. Left unchecked, they might try to run up bills, drain your checking account or worse -- steal your identity.