Sit up and pay attention, there will be random pop quizzes later — and if you fail one, your “teacher” will probably steal a good portion of your wealth, with no guarantee that you’ll ever get it back.

(I’ve been on the receiving end of credit card fraud three times myself, and I’m ridiculously careful with my data. In all three cases, the credit card information was stolen from the systems of companies that I bought things from. In two of the cases I managed to get my money back, but it’s still a disquieting occurrence. It’s a jungle out there, be careful.)