Sorry but I disagree with the author, MS also has responsibility to NOT store credit card information on gaming system accounts that are highly used by children and teenagers. The credit card security on Live with this respect is a pathetic joke.
I sympathize to a degree because I think MS's policies in this respect are shoddy and dishonest and its geared to take advantage of non-techies etc.. Reminds me of iTunes...except every time I buy something off iTunes is prompts me for a password.
I was shocked the 2nd time I bought something on XBOX Live and found it still had my credit card saved and displayed on my screen and ready to take payment ! I couldn't believe they saved it on my XBOX / profile. Anyone using my XBOX can get to this information.. ridiculous.
She paid for an annual membership once. The default setting on Live should be to NOT save CC information but its geared to take advantage of people. At least require a password any time the credit card is used!!
I am sorry but is is NOT reasonable to expect non-technical parents to think of things like "parental control" when they are making a one time payment for a membership. Its a video game system and the last thing a parent should have to worry about is an online store having access the CC she used once for a membership. MS certainly needs to clean up the mess of a system. The parental control security is a joke. The credit card should not be tied to profiles that don't require a password to access EVERY time!
I do think she is to blame as well and don't think they should refund her. But I do think MS should change the Live store policies big time !