>
> Right, but I think the pendulum has swung far enough on the "secure 
> password storage" side while it has barely moved on the "social engineering 
> break in" aspect. If you're worried about the safety of your private 
> information, 
>

Exactly. To invoke the insurance metaphor as a simple 
cost/benefit analysis; a determined thief WILL succeed in breaking into 
your house, regardless of how many locks and security cameras you have - so 
the best strategy is to limit the damage. There might be a cultural/social 
issue buried here though, as my bank is obliged to cover 
(non-social-engeneered) fraud and in case of bankruptcy  my 
government guarantees for whatever money I have in the bank.

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