Other idea to complicate slicing credchip:

Each time you use a credchip, it access your bank network to notify the bank about transaction exactly like with debit/credit card on our world. If you are on remote planet, then your credchip is useless and ANY slicing will end with credchip being destroyed (money are unharmed on a bank account). Remember that there is no free-4-all holonet in the galaxy, that means credchips works only within several systems that are covered by the citizen's bank in a region. Once you want to use it outside his bank area, you have to go to a bigger bank in the new sector and through that bank communicate with your bank (major banks have some restricted access to holonet to communicate between themselves for the purpose of galactic economy) to be able to use his credchip in the new area.

So if you want to slice a credchip and buy something for it, no problem, just know that everything is recorded and surveilance cameras are at any credit machine. If you want to transfer money from stolen credchip to yours, no problem, just know that this will be recorded by a bank so you have to have dozens of false bank accounts with forged IDs which are carefully analyzed by a bank when you open bank account. Also Coruscant bank wont transfer any money to any account on some bank on a forgotten planet even if it has access to holonet for the banks. Think of it as airlines that are banned from entering EU because they technical security is too low, so you can use these airlines only in areas they operate on your own risk.