I don't follow your argument. Yes, any merchant is going to get hacked. My argument is, I don't care a whit about my CC being stolen. My liability is zero and I can just get a new card. The only thing I care about is the hassle of setting up a new card for recurring balances. Hence, why I need at least 2 cards.

OTOH I do care about my name, address, and other PII being stolen. That is where privacy.com is a help. But not because it protects me from CC loss.