Atarifever- But you do pretty much have to a bank account online in order to do anything nowadays, and there's always risks associated with that, you're already risking online information every day if that's the case, so what difference does it make if you make a few purchases on Live or PSN here and there? Microsoft has always been good at reimbursing the few people that have been hacked, so that's not a concern for me, and personally I don't give a rat's ass about "real ownership", as long as I can actually play the damn games I truly could not give less of a f*** on whether or not I truly "own" them.
Nobody's giving these companies a "pass" on anything just because they make online purchases, that's utter nonsense. But it's unreasonable to assume that these companies will be 100% secure, nothing is ever 100% secure, that's just reality, I wouldn't call avoiding online purchases just cause a few people got hacked being "smart", i'd call it being overly paranoid.
Don't really what the point of them being "necessary" or not is.