Cool, thanks! I might keep this in mind. My credit union tends to be awesome about this kind of thing, so I'll have to check and see if it's an option if I decide I want to continue this ridiculous procedure.

I'm really less concerned about identity theft (for better or worse), and more concerned about thoughtless spending, as mentioned previously.

I'd been avoiding buying new music for a long while because I hate dealing with all of this crap, but I don't have a lot of venues for acquiring new music around here, so eventually I had to come up with this alternate system.