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Fully agree, hence I don't like handing over my debit card details, nor do I like carrying cash and be mugged.But each time you add an e-device no matter how good the security, you are adding another risk.
The Bank is at risk of being hacked by some smart arse,
add "home" on line banking and and that's 2 ways they *may* get your money.
Add pay by phone and that's 3 ways you are at risk...
As you ( or someone else) said awhile back its a calculated risk, and I prefer to keep mine to a minimum.