Either they sell the data, or they keep it protected as a fuck you to google (aka apple) or they potentially get a data leak because they aren't following best practices in the slightest (aka Experian).

I remember being out of college and finally being able to buy adobe products to do photography and then Adobe got hacked and my un/pw was out in the wild. It was safer to pirate their stuff and trust some crazy keygen software that's definitely doing something nefarious cuz at least I could run that in a VM.