Well, you'd better hope some small phone shop employee doesn't decide to transfer your SIM to someone for a cut, or your SIM isn't talked into being transferred through social engineering by a hacker via your mobile network provider helpline, and other 2FA tricks. Deffo read articles at The Reg regularly, well worth it. And Krebs On Security - he has a mare trying to find anyone to host his site, because he's such a hated figure among hackers they're always attacking it.For the financial websites, you have two factor authentications plus partial passwords system. My SIM is a big issue, I can't lose my SIM.