There is a bit missing in the post above:

$ cat `which t`
#!/bin/sh

file=$HOME/timecode
tcvol=/media/truecrypt1

do=$1

case "$do" in
        "on")
        if grep -q /media/truecrypt1 < /proc/mounts ; then
                  logger -t truecrypt "$0 Starting tc: already mounted"
                exit
        fi
        logger -t truecrypt "$0 Starting tc"
        DISPLAY=:0.0 truecrypt $file ;;
        "off")
        t=$(find $tcvol -type f -printf "%TY-%Tm-%Td %TH:%TM\n" | sort -n | tail -1)
        truecrypt -d
        if [ -n "$t" ] ; then
                touch -d "$t" $file
                logger -t truecrypt "$0 Stopped tc and set mtime to $t"
        else
                logger -t truecrypt "$0 Stopped tc; no mtime to set found"
        fi ;;
        "status")
        truecrypt -t -l ;;
        "*")
        echo "Usage: $0 on|off|status";
        logger -t truecrypt "Bad option '$do' given to $0"
        exit 1; ;;
esac

It's a strange idea to store passwords in the cloud anyway. I use these simple scripts in Ubuntu. Could work on Mac too, and I had a Windows/Perl/batch-file version long ago:

$ cat `which p`
#!/bin/bash

[ -d /media/truecrypt1 ] || t on

# accept up to 3 arguments, and filter on all 3
if [ -z "$2" ]; then
        grep -ni "$1" /media/truecrypt1/p
else
        grep -ni "$1" /media/truecrypt1/p | grep -i "$2" | grep -i "$3"
fi

$ cat `which padd`
#!/bin/bash
[ -d /media/truecrypt1 ] || t on
echo `date +%F` " $@" >>/media/truecrypt1/p

And to mount the truecrypt volume:

$ cat `which t`
#!/bin/sh

file=$HOME/timecode
tcvol=/media/truecrypt1

do=$1

case "$do" in
        "on")
        if grep -q /media/truecrypt1

In hex, the string is:

506f 7765 7220 d984 d98f d984 d98f d8b5 d991 d8a8 d98f d984 d98f d984 d8b5 d991 d8a8 d98f d8b1 d8b1 d98b 20e0 a5a3 20e0 a5a3 6820 e0a5 a320 e0a5 a320 e586 97

It starts with "Power ", but I guess that's not important.

Isn't this problem limited to the USA because their banks use only user/password for authentication?

I know the procedures for 5 or 6 banks in 3 different European countries, and all of them require a lot more to authenticate me.

The 3 procedures are:

* Bank 1 (the simplest, and first system I have seen, some 10 years ago).
- authenticate with user id (unrelated to name or account number) and password
- be prompted to enter a one-time number from a list which I received by postal (registered) mail (it asks for the number at row x, column y)

All other banks have long moved to something like the 2 others:

* Bank 2.
- put a special card received from the bank into a special calculator also received from the bank and enter password
- enter user id (unrelated to name or account number) on bank web site
- receive a one-time 6 digit number and type it into the special calculator
- the calculator gives an 8 or 10 alphanumeric one-time password to enter into the web form

* Bank 3.
- I can't remember the details, but as with bank 2, there is a special device and procedure to follow involving password, user id, device id and one-time numbers exchanged between the device and the bank's site.

- On top of that, the bank sends me an email every time I connect, with the date, time, the IP address from which I connected, and the money operations performed if any.