I get that. I guess I just like to track where my money goes, what my expenses are, what I'm being charged for, and the ebb and flow of our money. I get taking advantage of credit card/rewards programs, too. My wife and I have done a good bit of traveling on our rewards points. And I also pay off our balance every month... the only way to do it if you can afford it. I guess I also try to protect our identities and have a fear of people getting and using our credit number. The lower my financial profile the better, but it seems impossible to be totally protected.