If a stranger hacks my WIFI encryption in my neighborhood and downloads child prOn, warez, illegal MP3, etc.. through my router/IP that DOES NOT mean that I did it and I AM NOT responsible for those communications/transfers as I have made reasonable accommodations to prevent that (plus I shutter to think that any of my neighbors are into any of that).

There's a difference between criminal liability and financial. You wouldn't be convicted of downloading child porn (or shouldn't be at least), but if your internet access was pay as you go, you may still be required to pay for the bandwidth used.

This certainly isn't the first time someone has exploited the phone system and stuck another with the bill. Maybe it's time for the phone company to get their fraud detection and prevention services at least on par with what the credit card companies have done.

As long as the customers are responsible for the charges, they have no business reason to invest in fraud protection.

Bruce Schenier refers to this as an externality, and had written about it a number of times in the context of credit card security and computer security.

http://www.schneier.com/blog/archives/2007/01/information_sec_1.html

http://www.schneier.com/blog/archives/2006/03/credit_card_com.html

http://www.schneier.com/blog/archives/2005/10/preventing_iden.html

EAP-TLS is used for the key exchange process. The encryption used for the connection can either be TKIP, which uses rotating RC4 keys or CCMP which uses more secure AES encryption keys.

CCMP is the more secure choice, but is incompatible with older wireless cards. If you care about the security of your network, you are better off choosing hardware that supports CCMP.