Hugh Pickens writes: "CNN reports that now that smartphones double as wallets and bank accounts — allowing users to manage their finances, transfer money, make payments, deposit checks and swipe their phones as credit cards — smartphones have become very lucrative scores for thieves and with 30% of phone subscribers owning iPhones, BlackBerrys and Droids, there are a lot of people at risk. "It's crazy the amount of information on that phone — it's like carrying a mini-computer around with you, except that more people know the settings on their computer than they do on their phones at this point," says Nikki Junker, a victim advisor at the Identity Theft Resource Center. "People are incredibly at risk as technology improves." Storing a password and keeping your phone locked is a good start, but it's not going to protect you from professional fraudsters. "Don't think that having an initial password set on your phone can stop people from getting in there," says Junker. "It's a very low level of protection — you can even find 30-second videos on how to crack smartphone passwords on YouTube.""