This seems to be the natural outcome of Amazon's excellent customer service policy, where they have on numerous occasions[0] refunded costs for hacked instances. When they commit to that policy, they have a huge incentive to limit customer security breaches. I love examples like that where a company's policies result in incentives that are so well-aligned with those of their users. Does anyone have other good example…
Credit card companies are a good example of the this too. Since they're responsible for fraudulent charges, there's a huge incentive for them to detect them.
They are not financially responsible. If there's a chargeback, stolen credit card, etc they reverse the charge on the merchant. In other word the merchant pays for the items purchased with stolen credit cards. All the credit car companies need to do is keep theft low enough so that the perception on them is good. Make no mistake the crest card companies do NOT pay for items purchased with stolen credit cards, the merchants do.