I dont know MUCH about this issue but, seeing the way things are happening in the world, especially those concerning 'cyber' world... I am really going back to the 'old'.
I really have nothing online except this IF account and an official yahoo one. Somehow I am finding smartphones scary too... call me a cynic, I have gone back to using a basic model of cell phone with no internet/camera/etc in it. And, I dont think I'll ever do any transactions online, AT ALL... I'd rather go stand for hours in a que to pay my bills, but, I simply find the internet very insecure.
I always have an unkown fear when my father does transactions through internet. I cannot exactly explain the reason for this fear... anyways.
My feeling is that internet/opening accounts(of any sort) is a highly insecure indulgence.