you are thinking about people like us... MOST, like i said aren't going to be able to even understand wtf an algorithm is or how to use anything
i am talking about the average individual, there are FAR more of them then there are us
and if you are worried THAT much about identity theft, don't carry a flash drive around with you with a file that has your passwords/etc... on it, remember them
i have about 15-20 user/pass combos i have to use at work and they change at certain intervals, i don't have them written down and if i did, it would be a violation of the requirements set down upon us by the government
stolzyboy