I've never had an ATM or a debit card -- I have enough trouble remembering to record checks when the checkbook is open in front of me, without adding cardswipes/no checkbook into the mix.

However. I'm beginning to think it would be smart for online purchases. Thanks for the info.

And I have never clicked on any paypal or bank or credit card notice that comes to me in email. I usually don't even go to the sites to make sure there's no problem. There are so many scams I just figure if there were a prob, I'd know about it, and delete delete delete.