@Edent Thinking through the 3 risks at the end, I think the last risk is the most disastrous but least likely. The first 2 are more likely, but damage can be contained. A bad guy might be able to gain access to some of my accounts, even a credit card or bank account. But if I isolate accounts, there would be damage just not total. Personally, I lean more towards protecting against the first 2 and less 3rd, but that’s because I live a comfortable middle class lifestyle and devalue that 3rd risk.