Originally Posted by Aesir
decently strong passwords can be brute forced rather easily on top of all the scams.
Well, my passwords are incoherent. I have to copy and paste them because typing them takes too long.
If you are remotely careful, online scams are hardly what you should worry about. By the time you buy a car or a house, or finish college, your banking information, SSN and other personal information is printed on dozens of sheets of paper, hundreds of electronic records, credit records, proposal sheets for loans (that end up god knows where) and other sources that get transmitted, accessed and stored in multiple places by multiple people.
I'd keep my spending account isolated from my savings accounts or take some other measure to reduce impact if you are compromised. There is simply too much access to that information, and I feel like most of us are winning a numbers game instead of enjoying some true safety. Case in point, my family has dealt with identity fraud twice, both instigated by paying for gas at a shell pump with their ATM debit cards, whose records were intercepted, leaked or otherwise compromised somewhere in the chain from pump to billing. None of them downloaded a virus, clicked a popup or gave their information away.