@Water-Bug -
Paranoia is the first thing that comes to mind when reading your posts here. I do ALL of my financial business online, including filing taxes. Haven't written a paper check in over 5 years. I use my iPhone, iPad or laptop as convenience allows.
I have had only one single incident of fraud on my credit card and that was from a physical card swipe at a car rental office in Key West (unscrupulous employee!). If you have an SSL Browser and deal with reputable sites, the network you are on is mostly irrelevant. Obviously, if someone is out there looking to get hold of your specific information, it can be done. I just don't see someone sitting outside a WalMart expecting to hit the mother lode!