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Duel Email accounts
I really think your point about someone hijacking your email account from facebook can be addressed in this way. Just like you do with your hard drives, and I do too, have a secondary email address. Never use the email address you use for social media sites like facebook, for your financial data accounts. I always use a designated email account for online purchases and bill pay and a second one for facebook...ect. Also, I go further by having a third account used exclusively for banking. Even if someone were to hijack your FB account they would have no info for your other accounts.