I have my own WEP protected network (it was WPA but the nintendo DS can't use WPA). I also use other peoples networks should I be near them and I have no internet of my own. I think it is there own fault should they leave it unsecure.
When you are wirelessly connected you can also access the control panel and block their MAC addresses from connecting, so you can take over their router without being there. To hack bank account details you need to use hacking tools I believe, which then makes the situation illegal.






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