It can be both. There are going to be companies that are serious about actually protecting their customers (but don't have the technical know-how to be an infor

It can be both. There are going to be companies that are serious about actually protecting their customers (but don't have the technical know-how to be an informed customer), and there are companies that see these laws/rules (PCI, HIPPA) as hindrances to cast aside with the least possible effort.