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And to be relevant - the time I had my bank account emptied was due to scammers GUESSING numbers (or so I was told by my bank).
The issue of security is important, but its also easy to vastly inflate the risk. If you do lose your kobo, then you should go to the website and change details. But that applies to if you lose your wallet/phone/<insert electronic device here>.
For example, there is a way to bypass the forced reset on android for example....
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