Terms of ServiceSIENA HAS NO OBLIGATION TO REVERSE OR REFUND UNAUTHORIZED CHARGES MADE USING ANY AVAILABLE PAYMENT METHOD.
So basically if your account gets hacked and the hacker buys stuff they don't have to refund you and if file a chargeback they will ban your account and you lose all access to everything you purchased.
I will never give Sony access to and valid payment method I have. PSN cards to buy stuff only.