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I don't use a debit card. The safest thing is a credit card because you're using the bank's money. If someone accesses your information, they are stealing the bank's money, not yours.
When you've got hardly any equipment, very little money and no access to any information, your sound is very much dictated by you, your setup and what you're listening to. Nothing more.
Companies are accumulating vast amounts of information about your likes and dislikes. But they are doing this not only because you're interesting. The more they know, the more money they can make.
We've patented the idea... of using the address book as a place to declare that you like a brand. By so doing, the brand has now got your permission to send you personal messages - it could be money off offers, coupons, promotions, just information, whatever is appropriate.