Denial... / ....Greed.... Not classic but definitely typical...
All these lax services are just getting creamed. After being profitable for years with no tech investment or interest from HQ, complacency, fear and loathing has set in... I can imagine conversations after eggs hit a few more faces :----
Beancounters:
"What do you tech guys know? We're business, we're in charge, not you! This is the way we've always done it. We don't want to change anything, because its always been profitable and we've gotten used to that, whereas the changes you want, that costs money!
Tech staff:
"You're unnecessarily storing customer credit card numbers you ****"... Wean yourself off your addiction to hoarding people's personal financial info, and deal with transactions as a throwaway service..."