APPLE is no different than any other online account you may have. Be very careful to set up the account with the most secure password possible. Combinations of numbers/letters/CAPS/lowercase & special characters makes it extremely difficult for hackers. It's those who:
1. use simple and short passwords
2. use the same password EVERYWHERE
3. never change passwords
who are most at risk. Unfortunately, too often people have that "It'll never happen to me" mentality.
Be serious about password protection and pay attention to your bank and CC accounts on a regular basis.