I don't understand what the Sony hack has to do with Click & Buy in fact you could make an argument that the entire fiasco with game companies being hacked is directly related to them using their own payment/account systems that have less protection than professional companies like click & buy.

Click & Buy is such a hassle specifically because of its protections, protections for both users and the companies so that people can't issue charge backs (which was a serious problem especially among RMT in FFXI and in most MMORPG's).