If a bad guy has access to your files, then he either found your username and password and connected to your system by SSH or he somehow obtained root privileges. For the first case: you only need a long password (three short words is good) to be safe. In the latter case, the bad guy can install whatever he wants. For instance a key-logger to get your passwords. In the end, you are the only one annoyed by your security precautions!

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