Agreed. The "blame the victim" mentality is running rampant, and the credit card issuers are behind it.
The very term "identity theft" is designed to blame the victim. When someone "steals my identity" it sounds as if they have pried loose something I was supposed to be guarding. But the reality is that they haven't stolen anything of *mine* at all. They are impersonating me in order to steal from the bank.
We don't refer to rape as "chastity theft."