There is a crucial difference: if someone nicks your credit card or somehow hacks your bank account they have possibly ripped you off for some money, which hopefully the bank will refund eventually.
D'you know what happens if your bank account is compromised?
They close the account/make that account number inactive and give you a new one. It happened to me twice last year when the bank said there was some major fraud thing going on and they had to cancel cards and issue new ones with different numbers.
And any and every type of transaction has to be set up again, payments for utilities, council tax, renewable magazine subscriptions, insurance premiums. All the historical stuff doesn't matter, but anyway it's a right royal pain in the arse setting all the current payments back up.
The bank cancels the old account and old card so they can't be used again and to prevent ongoing fraud.
Sorry am posting from mobile... More...
sure. i accept and know these things, i have 2 current accounts, one that my wages goes into, from this i have a standing order to another current account... all my bills are paid from this. i have no debit card or cheque book attached to this acct
whats left in current acct 1 is what is there for "cash" so debit card transactions, cash point etc
current acct 2 is unlikley to be comprimised as its "firewalled" so to speak
current acct 1 could have the debit card cloned but impact would be minimal (albeit a pisser)
i can guess what the next part of your post will be... what happens if your id card is comprimised/cloned.......
a certain possibility, but they can only clone the info on it, unless they also clone my finger prints/dna/retinal scans (who knows yet what biometric they will actually have) the data on the printed face of card will not match the data on the chip and/or data on the database
so to succesfully nick "me" as an entity, they would have to clone my card, pervert my biometrics and hack into and change the details on the government database
who really is going to do this on a frequent basis? what would anyone really have to gain from cloning me? if they want my debt, welcome to it
im more warried about the actual events now, the medical records that are accessible over the internet, the medical records that shortly will be editable by you (or anyone that can guess your password (and come on, how many of us really use 128bit random data strings for passwords that we change every few weeks?))
we need to improve identity issues, id cards are a start on that, the trials will pick up problems and reduce/eliminate them before it goes national. we cannot stay stuck in the information stone age on this issue
all change carries potential problems, but until you suck it and see, what the actual (as opposed to supposed) problems are unknown and therefore not solvable
plus i still hold the opinion that 99.9% of us are completely insignificant