Identity/Information theft online

Of course as anyone who has read any posts or comments by me, that is my greatest concern. But reading through all this, I really see that there is now way to be 100% safe. You may not have key loggers etc on your computer, but what if a business that you know is reputable  gets hacked? How many times dow e read that universities have their systems hacked and personal informtaion is stolen? So really, we can't completely protect ourselves in this data world. So I guess the best we can do is use reliable products and hope for the best. And if it happens that someone steals your bank account number, I guess they will leave some sort of trail

 

Anyone know if banks have a limit on how much one is responsible for losses? I mean in some  way it is the banks fault for not having adequate security to keep someone from stealing your money