Just yesterday I was in a local bike store with the intent to make a small purchase, and somehow the salesman and I got into a brief discussion about the Target hack. He repeatedly assured me that the hack wasn’t that big of a deal and that he’d easily be able to refute any questionable charge on his credit card (and that the card issuer would happily refund the charge). As I was purchasing a relatively cheap item (~$30) I didn’t get the impression that he was trying to convince me that credit cards were safe to use so I’d go through with the sale, but his conviction seemed quite Chicken Little-ish to me.