Abobe is required to offer credit monitoring. That's not an optional altruistic service on Adobe's part. Depending on the details of the hack, the CC processors can also fine Adobe significant amounts.

The credit card company is offering full fraud protection. So if someone does use your CC for fraud, you're inconvenienced, but not liable. That's far more than what Adobe is required to offer.

I'm quite happy with the American system of "it's the CC provider's responsibility to sort out fraud". It allows commerce to flow, and the backend can figure out fraud most of the time. Putting the burden on a consumer via a PIN system now means consumers have to be more careful, which is bad for consumers and could possibly deter them from using the cards as much.

Edit: The one thing I'd agree on is the broken system of "credit" in the US. Any company can ruin your credit rating based on their own internal policies, and successfully fighting is a major ordeal. All a company has to do for proof is show a bill, which they literally can just make up.

Additionally, requiring an SSN for everything is ridiculous. Cable TV and prepaid T-Mobile even demanded one. In Canada, no company is allowed to refuse service if you decline to provide your SIN.