No, Microsoft are a bunch of ***** regardless.
Read the following comedy of errors from NeoGAF
I have 5 accounts on PSN with different names and Sony gave me 2 free games for each when they were hacked. When the same happens on Xbox Live MS deletes your account so you lose everything you've already bought.
You say it's not their fault, it's the user, but I've read reports from users who have secure set-ups, strong passwords, and have not been phishing scammed. I personally believe there's more to this story, but MS are obviously trying to cover it up.
Read the following comedy of errors from NeoGAF

PistolPete
My account was hacked. I noticed it immediately and called Microsoft. Before you ask, my password was not weak. It was a string of multiple character types that would be impossible to guess, and I know a phishing scam when I see one so something else far worse is at play here.
So after a 1 month wait, I was notified by Microsoft that I violated the terms of service by using my first initial instead of my full name when setting up my account. Essentially I have no recourse, and all of my XBL content is gone. Everything - GONE.
My account was hacked. I noticed it immediately and called Microsoft. Before you ask, my password was not weak. It was a string of multiple character types that would be impossible to guess, and I know a phishing scam when I see one so something else far worse is at play here.
So after a 1 month wait, I was notified by Microsoft that I violated the terms of service by using my first initial instead of my full name when setting up my account. Essentially I have no recourse, and all of my XBL content is gone. Everything - GONE.
You say it's not their fault, it's the user, but I've read reports from users who have secure set-ups, strong passwords, and have not been phishing scammed. I personally believe there's more to this story, but MS are obviously trying to cover it up.
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