Xbox live rant

I'm not going to rant about live costing $10 more, I get live every year as a gift so don't care. I am going to rant about why I think they are doing it. On spotlight right now there is a ad for live, Xbox live been on sale on from purchasing on the system for sometime on. The price of it from buying in a store is $60 now and on the console $40. Microsoft is doing this just so people buy live from the console instead of a store. Do you know the number of gamer tags that get hacked every year? Do you know what most of the hackers are looking for? Credit cards, Xbox saves your credit card info on your gamer tag. This can happen to anyone, it happen to Major Nelson and did you hear Microsoft address the problem? Nope. He got his gamer tag back but others from what I heard don't. From what I have heard as soon as a hacker hacks the gamer tag they delete everyone on the friends list, change the gamer tag name then goes shopping. I never heard of anyones PSN name getting hacked. PSN doesn't save the credit card info on your name. If Microsoft gave the option to not save it that would be good. I have even heard of the problems of trying to remove a credit card, it sounded like they wouldn't let it happen giving the person the run around. Microsoft please make it a option to save the info to a gamer tag, there is no reason to have it saved to the gamer tag.