I’m one of those 40 million customers who had their bank card and PIN stolen while shopping at Target, one of America’s largest chains of general super-stores. Like most of the affected consumers, I first heard about the breach from my bank, another large network known as Chase. In a very frank email that arrived a few days before Christmas, I was told I’d be limited to $100 cash ATM withdrawals, a $300 spending cap per day, and would soon receive a new card and PIN in the mail—all because of a security breach at a place where I shop for food.

For weeks U.S. television and online news networks lambasted Target’s poor defenses and how awful its response was to its customers. Personally, I thought Target did a good job of managing the issue. It gave out 10-percent discounts during the weekend before Christmas to all who passed through its doors, along with free credit checks to any customer who asked. I’m sure that behind the scenes, Target was tightening security and working with law-enforcement agencies to find the perpetrators.

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