So like...it kinda like credit card theft. If I steal a card, and go on a spending spree, the customer isn't responsible for the charges (depending on the card). So what's the big deal? I mean, I get my new stuff, they don't pay, and the company gets to make a commercial that promotes their zero-liability policy...
I don't understand how you think no one gets harmed in credit card fraud and I really don't understand how you can compare the two. Do people get reimbursed if their webpage gets defaced?