Life lock can be insurance if anybody hacks you or steals your wallet. Sites like ssa and banks are relatively secure from common thiefs. A vpn can hide some data from some partys. The .gov. and the ECHELON have your data and metadata already, they can use this to profile ect but they're not going to take your money out of the bank or frame you for a crime. Probably. Worst case scenario with this is that more private companys will have the power these governments and corporate giants already have.