If you have a Visa card (check card or debit) then you can enable a password protection:
http://www.visa.com/verified
Mastercard has a zero liability program when certain conditions apply:
http://www.mastercard.com/general/zero_liability.html
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"The idea that money doesn't buy you happiness is a lie put about by the rich, to stop the poor from killing them." -- Michael Caine
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