the difference between a hacker and a cracker

most people don't the difference between a hacker and a cracker,
a person who breaks into a computer(an ordinary PC or a bank or something) should not be called a hacker,he should be called a cracker,
a hacker is a person who makes programs and solve problems related to anything,
a hacker is a guy who is a good programer,a good HTML writer,
a guy who doesn't **** into PCs and steals and screw up,that kinda person is called a cracker and should be avoided and disrespected as much as I know

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