I agree. If it's a random attack, then the probability is relatively low to get attacked. But if you're targeted, quite frankly it's probably very easy to attack you, either virtually or physically.

One thing I do know, though, is that like you said, security is likely going to get tightened across the board, and that means that it's going to get a lot more inconvenient for all of us. I guess that's a good thing, but it will definitely impact the usability of these services.

If it means that all vendors will tie their services to a two-factor authentication scheme linked to our phone, well that might just stop me from using the services altogether.