Honestly, I trust a giant mega-corporation like Microsoft with my information than Pay-Pal. There's a reason the company's so big - they're smart. They realize that if XBL information got leaked it would lead to millions paid out to hundreds of thousands of people through a hell of a class-action suit. With all its money, resources, and computing experience in general, if you can't trust MS to keep your info safe, you can't really trust anything.