So far no losses for me, but as an internal control professional I do see most of the cracks and failures in the related bank, airline and point systems. This includes banks releasing other customers' information, using 4 number pins, developing security enhancements that don't work, or in my case, "enhancements" that allowed my 17 year old to "root" all my bank accounts at one institution.

My advice is to watch over your accounts carefully and firewall your passwords (make them all different) so that if one account is compomised the rest do not fall like dominoes. Also, when asked for answers to challenge questions, like your mother's maiden name, come up with an answer that is not you mother's maiden name. It is all too easy to find your high school name, your prior address, your mother's maiden name, etc. these days.

So long as folks here color within the lines no harm, no foul. But there is a world full of people out there who don't even see the lines.