This subject is very interesting to me and I have captured a lot of information from this "Thread"
I wonder about one of the largest FACTORs, now with the rise of PROXIES and use of ... Many are now using. This has not been discussed or even mentioned. It seems like it is a ticket to say "here I am" and these are my passwords. One may use a proxy for privacy, however information will !!!! be stolen.
The sad thing is as computers are used now-a-days and for the 99% that use computers would not understand or even be applying any of these methods. Consider you family member (mother, sister) We understand the hours a user "MIGHT" spend Defrag,malware,virus,updates..etc. Just to use a computer, however with the internet now adds XSS,keyloggers...etc to the equation.
No solution !!!!!!, use many tools with computer to try to combat someone (hack3r) that is without a dough smarter than most 99% percent.
FRAUD IS EVERYWHERE. the best is to try to minimize lost because it will happen to 99% (abt.) of us although may not happen to BHW (reader of this). but warn your; wife,husband,kids,friends.
these are just my thought, even if they are unclear.