[snowwrestler]

The financial system is great at recovering from that sort of thing.

1) Transactions have to reconcile somewhere--monitor at that point for unexpected activity.

2) Use insurance policies to pay back losses due to theft.

Payment info is among the data I worry about the least; I check my card statements every month, and flag any unknown activity. Under my card and bank agreements, I'm not liable for losses if I catch them within the defined window (30-60 days depending on card), even if I did something stupid like set a weak password or lose my own wallet.