Yes really. As I said, even IF compromised, it's protected anyway. Nobody is ever liable for fradulent charges/transactions for the most part. Even my biggest accounts are fully insured from fraud and theft. That was my point - they are already fairly well secured, and can be made even more secure, but in the event they become compromised most people are protected regardless.
It takes an act of god to login to my credit union though. Random artwork verification, double passwords, a phone call authorization. Even then, if the login (or debit card use) is from a different geographical location it locks the account and getting it unlocked is quite the pain. Some banks use pretty impressive multi-factor identification.
Your account is insured, but your identity is not (you have to pay for a service if it you want it to be). Meanwhile, it can be tough for some people to pay bills and buy groceries while they're waiting for the bank to conduct an investigation, and replace the money in their account that was cleaned out. That's why I prefer to lock down tight, and never give the bad guys a pinhole of space to slither in through.
Names like NoVirusThanks strike a chord with me, because I have a deep-seated antagonism towards cybercriminals. The last time I got infected was in October of 2006. Somebody had (presumably) compromised one of Comcast's NAT servers local to me or something, because it made the news in my area (they estimated 11 million computers had been infected), but not nationally.
I performed an Acronis restore twice or thrice on each of my machines: two desktops and a laptop. And each time, after waiting 10-15 minutes for the system to be restored, I was infected again within seconds. So I installed the BlackICE firewall which stopped it, and started looking for other ways to defeat remote attacks.
Bot herders, spammers, robocallers... there's a special place in hell for the lot of them. But I've made it my mission to create a hell on earth for them also. "You've got some nerve to think you can just waltz into someone else's computer and take it over without permission. You're not getting into this fortress; I promise you that!"