A professional longarm machine quilter for hire and some of the work I've done.
Make sure any cards you have are cancelled and have new ones sent to you.
Change all passwords on any sites you purchase from and (choke) make them different. Every few months change them again.
I see no problem in keeping a paper record of your passwords even though most people reccomend you don't. Just make sure they are put somewhere other than around your computer.
You are right. As more people become desperate fraud will explode and the banks don't care. All they see is more money from bounced checks and fines.
It will straighten itself out. It will just be a PAIN until it does.
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