

I can see where you're coming from - But to hack into your phone in general would take alot i'm sure...
Just like any other web-enabled device, all it takes is you visiting the wrong web page, which is how people picked up keyloggers and ended up needing these one-time passwords to begin with.
The only real difference between your smart phone and your PC is that your PC has anti-malware software and a fighting chance.
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