Earlier quoted context omitted.
There's nothing wrong with copying credit card numbers, people used to do that all the time with the manual credit card machines. What is wrong is stealing money.
Really. So if I copy the credit cards out of a database and put them on Pastebin, I've done nothing blameworthy, so long as I myself don't try to buy anything with them? Do you have an argument against enforcing criminal copyright laws that would be persuasive to someone who doesn't believe that?
From the open society view that information wants to be copied, at this point the blame rests fully with the payment networks. Rather they just don't care, as they don't even pay for the sheer majority of fraud.