but I generally don't worry about an attacker with sorts of resources; they would probably just beat my PIN out of me...
Oh man, you should never read Doctorow's Little Brother. Well, you should, because it's great, but it will freak you the F out.
I can see why you would be surprised. Here is a checklist of how to see if you are discriminating against a class of people:
Luke, Leia and Han are supercool heroes from a galaxy far, far away. And boy are they full of angst.
And you can barely see them through the lens flare?
No amount of careful planning will ever replace dumb luck.