I de-guggled years ago, after I goot locked out because I signed in through "unfamiliar wifi" and now use web page sign in's for everything but email......but now have my own domain, and will switch to web mail. I also use cash for most of my local purchaseing, and am pursueing incorporation for my business, and that will seperate my personal and business banking completely. I might not be a hard target, but I am small, and off the beaten path, so I think that will deter most fraudsters.