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Yog, I'm pretty sure most kids are raised knowing stealing is not a good thing but at the same time, will probably do so anyways at some point in their lives.
Not every kid blindly listens to their parents for long. They're rebellious, weren't we all?
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I don't agree with you that the majority of kids are going to steal. I also don't agree that it's blindly listening. I think we can all agree that stealing is wrong. It's not something you have to question twice, so it shouldn't matter the source of where you hear it. I never went through a phase of rebelling against my parents that I can remember. I've always loved my parents, and I feel we see eye to eye on everything. But even if I, or anyone else were to rebel it wouldn't justify being careless with your credit cards. If you think your child is going to steal it, keep it safe. Don't ruin something for those who are responsible.