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However, you are misinterpreting what it was meant when they said "for security". It's for security within the game, like banning hackers etc. Just makes it easier if everyone is on the same ecosystem and they probably have better tools to find and ban accounts that break rules, hack, etc.
I never personally used the PSN to purchase anything off the PSN. I had no SSN, bank cards and next to zero personal information (other than name, email and a password) setup. After that first big PSN hack, Playstation paid for people to have 12 months (if memory serves me right) of identity/credit protection service. That was back in 2011.
To this day I still get a monthly email from the company that Playstation set us up with back in 2011. I'm not getting charged for it, all I know is that every email that comes my way tells me that there has been no detection of fraudulent activity against my personal information.