It would sure be nice if one person in the US could show even $1 of actual damages due to hacking, thus open up a personal or class-action suit against specific corporations and/or insufficient protections companies. Maybe after that the various Target/Home Depot/Anthem corporations would try more secure methods.

It's too bad that there doesn't seem to be one person that suffered any damage.

I actually reckon there is, but no article has yet shown any actual damages to anyone. I guess in legal jargon a lawsuit would have to be one of "standing" to not be thrown out. In other words the plaintiffs would have to demonstrate real injury and real affect. Not just theorized affect.

So...is there anyone within the millions affected by these hacks that can show standing (they lost money/were injuriously affected [directly by hack/corporate negligence, not by changing PINs, etc.]), thus file a suit?

My general view is that hacking records and personal info by agents who want to monetize such hacks is a very scary thing, and does actually happen. But I have yet to see any real case of an actual human, anywhere in the world, who has even had $1 removed from any account due to any of these hacks. And not one person who didn't get a transplant because a hacker moved them. Not one person who suffered in any way at all. (again, beyond changing PINs/getting credit protection due to well, apparently so far—paranoia about something that doesn't actually happen).

If there have been such people, then I'm unaware of them, and as such maybe the focus of this and other articles should be case-studies on people who actually lost things due to hacks. So that me and others become aware that this is actually something that can actually affect people. Until then, sure, hacking info is bad, but if no one is affected, it's kind of "chicken little" so far.