I'm not "idealizing" China; I just think that, realistically, credit card fraud is a weird tack for a large world power to take. If we're talking about rogue individuals, OK, but you probably need a local fence, complicating things, and you could make the same argument about just about any entity you interact with. I'd say the risk of a call center employee stealing your SSN to commit fraud is higher than someone in the MSS doing the same.