My argument is simple: If you do not have any particular client in mind to hack, it is quite a trouble to extract the useful information (for example, in this case, credit card numbers, or login and password of bank accounts) from a gigantic database.
Yes, you can set up a search program so that the computer can scan through the database and extract potentially useful pieces of data. I must say it is not technically demanding, and I actually do a similar kind of thing every now and then for my research. (The idea is similar to doing a computer search for the stop co don in the genome of a bacterium, with an aim to identify all open-reading frame.)
The problem is, although very much distilled and concentrated, the search result remains a huge load of information - and you still need to pass through the security check of the bank before getting some money. A hacker who could master all relevant sophisticated technology should go for a bank - preferably focusing on the account of some multi-billionaire.
In that case, who would have the interest to hack a database website - and what is the gain?
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