This year cyber criminals will make over 300 billion dollars while legitimate web based business will only make about 150 billion. Much of that ill gotten gain will be off folks much like you. Moreover, all of the current industry safeguards can be breeched by folks from Eastern Europe Brazil and the Far East quite easily. Consequently, your password is still the best way to keep yourself safe. However it must be a minimum of eight charters and preferably twelve with numbers and characters all of which cannot have anything to do with each other. I know you are having enough trouble remembering the ones you have now. Just remember there are folks sitting in little rooms all day with nothing to do but break your password. All of you that have "password "for your access it's only a matter of time before your compromised.