I don't understand all of this anyway, so the only way I feel more relaxed about things is not to do any business online which requires me to divulge my main credi/debit card numbers; we keep a separate bank account for buying stuff on ebay which never has much money in it... only £30 or so at the most.
I don't keep any money in my business or personal Paypal accounts either
But if people want to steal my identity well I think they'll probably have plenty of other ways to do that... and in the UK our banks are obliged to refund any funds fraudulently removed from your account just so long as you haven't been reckless over security
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