If you buy any online game, if you buy dlc, if you buy points or whatever, you're using your credit card. If you buy it via your pc, that information is still linked to your account on your ps3. If you have a WiiU, no one cares so you're probably safe.
You may have misinterpreted what I stated. They wipe the 360, then install the mod tools which are basically in stealth mode. Someone buys that modded 360, because its cheap, uses it, has their account info on it, purchases games, and so on. The person never bothers to look for those kinds of tools because who the hell would even think to check for that? And then they've got you. So basically, just don't buy refurbished or used 360s. That solves that problem. Sony losing your information? You solve that by not giving it to them.
They don't need to charge, but they do. Whether or not that money goes to making Live a superior service is irrelevant to me, because it absolutely is a superior service. It doesn't buy extra security, but they still haven't given my cc info to 3rd parties, so I'm perfectly content with the platform.
You have neither console, so complaining about Live is retarded.