Of course a lot of the time we're just referring to common criminals who know how to download software off of some 'warez' BBS and use it for bank and credit fraud.
I don't know what to call those people, but even 'cracker' gives them too much credit.
Hacker should never mean a Cracker.
Cracking is illegal and brings a Negative Connotation. The Media still uses & refers Hackers for Crackers too. Why so?
Hacker word should bring a Positive Connotation. Hackers are the change makers: Working on Good & Great things.
There was a Change.org Petition: Asking media Companies NOT to use 'Hacker' when they mean 'Cracker' https://news.ycombinator.com/item?id=7838663
What can we do to bring a change? Please share you Ideas. Let's do something.