Yeah, I could see the link between RMT and getting hacked. I remember that used to be a big issue in Warcraft where some of the vendors would hack you after selling you gold and take it back. Or steal your credit card or something crazy like that. I only went by the rumors, still, there's always a little truth in each rumor.

You certainly know what you're talking about, so I'll trust your judgement on the technical advice. I am pretty familiar with what social engineering is, and to a degree I almost rely on that concept for my own protection safety. It's one of the reasons why I love socializing with my bank's staff and getting to know the community I'm in. I've had all sorts of banking issues resolved simply because they 'knew my face.' Usually the moment something goes wrong I pick up my phone and try my best to call a real person to help me out. I'm not specifically a big fan of all the new automated services they got going on these days.

Off chance, would you have a recommendation for a good cloud password system?

Also, I heard that the iPhone is more secure than the android for phone security, do you have an opinion that? You don't have to respond to that last one if it's too hot-button. (I use an iPhone, because I heard security was great).