Why don't you use a Hard Drive password? That would keep someone from getting your data in case your laptop is stolen/lost.
Even though some could get the codes and crack it. Likely not to happen though.
Look at PGP encryption (Pretty Good Protection) or Checkpoint also. This will encrypt your data in case someone takes your laptop.
As far as someone stealing your identity or ripping you off, that would be a different deal. You can pay for a company to track your SSN and account #'s annually fee. Only thing you really can do is use a low balance credit card online and be sure to use a secure site like PayPal. ( with HTTPS) . Oh yeah, don't download anything that you aren't familiar with online. Downloads can lead to trojan horses, Rouges where they try to steal your information.
Don't send Nigerians your account number or any stupid emails and you are good.