I have a day to day account, which I use for bills and expenses. That account never has more than a month's expenses in it, unless there's a major purchase to be made. I have a separate staging account at an unrelated bank, where I keep an accessible reserve. That account has never been used for any electronic transaction, and on fact there is not even a bank card issued on it. It's possible that someone could duo me some nuisance, but in order to do that they'd have to forge a check (there are good procedures for dealing with physical forgery, you can generally recover losses) or else they'd have too convince my bank to grant them electronic access, which would put the bank rather on the hook.
So I'm not too worried about my bank passwords, personally. I take reasonable care, but I'm tolerably well insulated against long-term harm. Sent from my mobile. (Typos courtesy of swype) ----- Reply message ----- From: "Fabrizio Giudici" <[email protected]> Date: Tue, Dec 18, 2012 10:06 am Subject: [The Java Posse] Re: Keeping Track of Multiple Passwords To: <[email protected]>, "rakesh mailgroups" <[email protected]> On Tue, 18 Dec 2012 15:33:29 +0100, rakesh mailgroups <[email protected]> wrote: > Hi Fabrizio, > > i think you are being unrealistic. > > I'm all for doing due diligence when choosing important software like > this > (I use 1Password + dropbox btw) but you need to realise their are NO 100% > guarantees. > > Look what happened to Sony, hackers get hold of government data and post > it. > > What I think you should be asking yourself is, will I be able to get any > money back if I should be hacked? The answer is invariably yes as you are > already part of the minority who understands technology and isn't stupid > to > use guessable passwords or the same one across multiple sites. That's precisely my problem, and I think I wouldn't get the money back - in the most optimistic case, I'd have to fight with lawyers spending lots of time (thus money). Please note that we're not talking of a problem of the bank, but of a problem of me, the customer. I bet the bank would say: blame your password manager provider. I think we all learned in those years how banks are able to blame others for *their own* errors, so figure out when the error is not theirs. And then I suppose that in the fine prints 1Password, KeyPass etc deny all relevant liability. Not counting that they refer to courts abroad from my point of view, which would only increase the troubles. And in any case it would require time, and in the meantime? How do you live without money? > LastPass, KeyPass, 1Password all have a lot to lose if their software is > not good enough. True. Even Tepco had a lot to lose if their estimate about the maximum height of tsunami waves was wrong. In fact they lost a lot. > As someone pointed out, you have to trust someone somewhere in order to > do > anything. ... and for my banking account I trust on me, myself and I :-) Should something tragic happen without any possibility of recovery, at least I'd blame myself. If I can't recover, I prefer to have troubles caused by me than a third party who escapes its responsibility. This helps in keeping my blood pressure low. > Lifes too short, move on. Yep. If it's short and moneyless is even worse. :-) -- Fabrizio Giudici - Java Architect @ Tidalwave s.a.s. "We make Java work. Everywhere." http://tidalwave.it/fabrizio/blog - [email protected] -- You received this message because you are subscribed to the Google Groups "Java Posse" group. To post to this group, send email to [email protected]. To unsubscribe from this group, send email to [email protected]. For more options, visit this group at http://groups.google.com/group/javaposse?hl=en. -- You received this message because you are subscribed to the Google Groups "Java Posse" group. To post to this group, send email to [email protected]. To unsubscribe from this group, send email to [email protected]. For more options, visit this group at http://groups.google.com/group/javaposse?hl=en.
