Just suppose that the crackers were not merely greedy and lazy but were instead greedy, hard-working and exceptionally bright. Would you really want to chance using such a cracked installation CD for your online banking &c.? I wouldn't even have allowed FCKGW Internet access (though I might have used it on a permanently offline media or gaming PC). But then again a combination of irremediable ignorance and indelible experience has made me a paranoiac.