The more things that you can do online, the more things we can do to you. Crackers and hackers say the only way to protect against intrusions is to assume that sneaks are watching you whenever you are online. The best that you can do is make it harder to get access to your information. But there is simply no way to keep everyone out all of the time. Hackers explore systems and software and, if they find holes, often inform the owners of penetrable networks and possible security problems.
Crackers also explore, but they use the information they find for their own purposes.
I have a Palm handheld computer. I do not use it to check my bank account balance or shop for stuff. I keep my private records on a computer that is not connected to the Internet. And if we can get at your stuff, then I figure we are entitled to it. Close your damn door if you don't want company.