[Groxx]

Yeah, virus/malware/choose your term. I'll happily settle for 'malware', it's descriptive.

Key loggers only get what I type in. And the value of the material they logged is lost as soon as I change the valuable bits without it being logged. Easily enough done with a phone call to my bank or a friend's computer or a clean install. I use unique passwords everywhere - I can prevent extensive damage with that alone.

(edit: also two-factor auth / one-time-passwords almost totally nullify keyloggers)

Lose your Persona signing key, and you can't stop it. It lives as long as the key claims to live. Imagine someone stole your credit card and is making massive purchases, but there was no way to cancel it, it would just continue pulling from your account until the expiration date on the card. Now tell me why that doesn't concern you when compared to e.g. someone stealing the cash in your wallet.