The banks require confirmation from the companies that you didn't make the purchase, you returned it, or there was some other error. And given that most companies process transactions at the end of the night rather than on the spot (which is how the banks like it) they won't receive the info until the overnight and then it has to go through their system etc. You assume that everyone that was affected bought on day one. It's possible they did not. And you assume that this email was the first time one of these went out. It is possible that it was not. It could be that they have been doing this for days but folks just weren't tipping it to the blog sites because they weren't all freaking out over it. No it was an unfounded rumor that was never proven as being real. The blogs picked it up because they knew it would get them hits. Whether it was true or not didn't matter So you reload it from your backup. Oh wait, you never backed it up. How is that Apple's fault? How are they responsible for you and your wife being dumb. It's not.