[Mr. Plow]

That's very true, but I think to a large extent the question of liability is mute. My Paypal account got hacked, probably because another site I signed up for using the same user/pass got hacked. It's pretty easy to check all the major sites as well as logical others as mentioned above (if you're in one adult chat forum, it's a good guess you're in a couple others). After that experience, the lack of help I received afterwards and most of all the fact that I'll probably never know what other site was hacked to begin with, I err on the side of caution and figure I'm on my own for security. Phew, that was a long sentence!