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I don't use a debit card at all. It's a personal choice. An ATM card can't be used for anything but an ATM transaction or to identify the customer at the teller window. A debit card is one more variable to be concerned about. 

"Advising customers to use Credit Cards for Cash Advances - which often attract a fee and a higher interest rate if the balance revolves isn't such a smart move" 

No. 

You must have read a different article. Nothing in this article says anything in regards to your statement. 

Use a password manager or a memorable phrase. 

Agreed. But this post isn't about the Stuxnets. Generally, most devices connected to the internet are consumer. For them, AV is essential. Including Android mobiles. The majority of infections aren't designed to shut down AV and AV will prevent most of them.

Yes Boris. The author is aware. Did you read it? Or do you just like to wonder?

There are millions and millions of viruses targeting PCs. Thousands targeting Macs, and 30+ thousand targeting Android. Androids today are where PCs were in the 90's. As Android proliferates, they will become a bigger target. Its hapening right now. 

I love http://BillGuard.com highly recommend. 

"Lock picture"

Yes, creative, lets just hope an honest person finds your $500.00 mobile and is kind enough to give it back. 

 Ketharaman, https://www.mcafeemobilesecurity.com/

A recent study shows 40 percent of smartphone users would rather lose their wallet than smartphone.

These days our phones are our credit cards, transit passes and more. Every time a user uploads money to their phone to pay for gas or coffee they are increasing the cost of replacing their phone if lost or stolen. Replacing a smartphone and its contents can take as many as 18 hours and hundreds of dollars.