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I don't associate a credit card with my Kindle account. I just buy myself gift cards so I run a small, positive balance for impulse purchases. If my Kindle is ever stolen, I won't be out much even if Amazon can't (or won't) stop the thief.
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That's a smart, reasonable solution.
I don't think a thief is even going to bother buying ebooks, anyway. They're just going to do a factory reset so they can pawn the Kindle off on some unsuspecting rube before Amazon blacklists it.
Now an "innocent, lookey what I found" kind of person might accidentally stumble their way through a book purchase while checking it out.
