Well this svcks, I've never tried a PS3 and was thinking of buying one for my son.
It's not really a big issue, to me at least. You can play a PS3 with games bought on disk, without ever having any account issues or having to put personal or credit card info into the system. And even if you DO want to buy something from their online shop, instead of putting your CC info into an account, you can drive to Gamestop and buy a giftcard that you can enter into your account to give it a bit of $$ to spend.
(I may do that soon.... grab a $20 card, then use it immediately to buy a few old PS1 RPGs for $6 each.)
So, unless your son either wants to do lots of online purchasing, or is irresponsible/young enough that he'd steal your credit card and use it to run up alot of charges, this shouldn't have a big effect on your decision. :shrug:
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(meanwhile, hackers are constantly trying to hack into anything that stands out. The instant Sony said "okay, we've improved our security since that last hack", it sounded the dinner bell for people to try harder. It's really a no-win situation for companies.)