I don't do any financial banking/stocks, etc. online, so no one can steal an account that isn't there. I do have a Walmart card, but I never put huge amounts of money on it. I am also planning on getting a prepaid credit card for non Walmart online purchases, but again, I won't put huge amounts of money on it, so no one can wipe me out, unless they access the computers at the bank. When using the gas pump, as soon as you are done with your at pump transaction, hit the clear key to disengage your account. Other wise some one at the station or elsewhere can still access the account, as it is still online.
I also don't have to worry about anyone getting access to embarrassing photos because I don't take those kind of pix, and if I did, I wouldn't put them online. I also don't put other embarrassing info online. My biz is my biz, not the biz of the www. I cannot for the life of me comprehend why anyone would put that kind of stuff online! What are people thinking--apparently they aren't thinking at all!
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If a man does not keep pace with his companions, perhaps it is because he hears a different drummer.
Let him step to the music which he hears, however measured, or far away.--Henry David Thoreau