You will change your thinking if you get hacked. I was using an auction sniping service and somebody was able to hack them and get info to get into my ebay account and start selling all sorts of non-existant Ipods. Ebay security caught it and put the kaibosh on the whole thing but I am locked out of ebay and can't get back in to change my identifiers. I lost no money but it was a very nice little wake up call. I don't have that much with IB but if I could opt in to the additional security I would do it.