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Why do people have piss poor security?
Use a pure forwarding e-mail address for services like Paypal, Paxum, Payoneer and the likes. That way, everyone you do business with will see that address, but since that e-mail does not have a real "inbox" or login details, it cannot easily be hacked into. Forward the emails into your daily e-mail.
And as mentioned above, use the tools already in place, like two factor authentication for important accounts.
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The truth is not affected by the beliefs, or doubts, of the majority.
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