Accountable for what? That they're a target for hackers, who managed to break into their network? How is that careless? There's no such thing as perfect security.
You roll in to Target or Home Depot, you decide to pay with a check, card or cash. You decide to give them your information or not. You decide if you want to go back after they mismanage your information. Can you opt out of Equifax's business and still get credit or loans? Can you even opt out at all?