Just to be clear, I didn't mean that I thought what Chase did was right. I just meant that I had heard that credit card companies sometimes close inactive accounts, but I still didn't bother to use cards for accounts that I wanted to keep open.

So it's kind of like if I had left my car unlocked and parked in a bad neighborhood, and something got stolen from it. I'd consider that my fault in the same way -- not that what the thief did was right, but just that I knew that was a risk and didn't bother to do anything to prevent it.