Thomas was sent a credit card through the mail by a company that had taken his name and address from the telephone book. Because he never requested the card, Thomas left the card lying on his desk. A thief stole the card and used it to purchase merchandise in several stores in Thomas’s name. The issuer of the credit card claimed that Thomas was liable for the total amount of the purchases made by the thief. Thomas claimed he was not liable for any amount. The court decided Thomas was liable for $50. Who is correct? Why?