> When an individual can take down an organizations method of operation (mastercard/visa/paypal), it isn't the individuals fault (regardless of their actions) it is the organizations fault.

Who cares whose fault it is? It's illegal, they get arrested, it's simple really.

> You don't blame someone for stealing from a bank when they pile gold bullion in the entrance without a guard in sight. You blame the bank because that's fucking stupid.

Sure, you can do that. That, and arrest the person too because, you know, they broke the law.