Yes, but sometimes that $5 is worth it. My husband refuses to use any of our CCs for Steam games as somebody hacked their systems and stole all the CCs they had saved there. We had to cancel his CCs, which was a pain, and wait for new ones to come in. All because him and the boys like some of the games that they offer for PC.
Now he uses gift cards for purchases such as that, so worse case any hacker will be left with a dead acct #.