Well, I believe what you are saying about the safty of credit cards numbers at the e-mail when protected by an encrypting program. But the point is that many people who are using the internet are not experts. They believe the stories from the medias. Even me, I do not trust any safty prommisses from whom ever: I do not have even a PIN number for my credit card, I refused that! The only way to avoid trouble in my opinion. Since it is commonly known that banks are closed during night and weekends one can prepare his cash needs during bank hours. In case of emergency there are still EURO-cheques which can be cashed off bank hours at airports etc.