I've never been the victim of an online security breach. I've never had my identity stolen. That's partly because I'm lucky, and partly because I'm conscientious. Every year, I get a free copy of my credit report and scan it for errors (last year, there were eight or nine mistakes, and I managed to fix all but one before giving up).

In the last week, however, I have become a victim--not of an online security breach, but of a company's overheated reaction to what may or may not have been an online security breach. The company is PayPal, and this is probably the last time I will ever use it as a place to park my cash.