I'm actually quite pleased I started this thread as it hasn't run too far off course and it does focus your mind on potential problems.
To my mind the biggest threats are Identity theft and bank account theft most other information on me I have provided voluntary so don't concern me, even in private emails I would never give information about anyone else and If I can't stand behind my own information then I shouldn't be giving it!
I personally don't use mobile phones to access my bank account although I access it all the time from home, however these days the banks seemed to have tightened up a lot from what they used to be like. I, like most others I suspect have to use a dongle that gives a 1 time generated code to access my accounts and when paying online though a secure site nearly all transactions these days are referred back through the bank for me to provide a password.
I don't doubt though that these will be updated again in due course to counter new illegal activity.
As I said I do think it's all about having a balance.
And I still think that Photostream is Brilliant!