Yes, good point. We need to change our payments system in a fundamental way to try to stay ahead of the hackers. It's pretty obvious that all of the systems are going to get hacked. Now we need to change the systems to neutralize the data being hacked.
It appears to me that Apple's system is pretty good, using "tokens" instead of actual customer ID and credit card numbers to transmit through the system. Plus there's the fingerprint ID feature to add security. These features are not unique to Apple, but Apple has the marketing clout and the trustworthy reputation to achieve a critical mass and eventually succeed in the marketplace.