I do get a bit worried about this, but my current solution is to just keep enough money for what I expect to spend in my checking account it's linked to.

Part of recent paranoia comes from the fact that my employer moved to monthly (Ugh!) direct-deposit payroll and I have several automatic payments from that account on the 5th of the month. I had nightmarish visions of someone cleaning me out on the 3rd-4th!