If it makes you feel batter mate, my brother has to carry one just to log into his work computer, a second one to log into the network and then a third one to do his internet banking. I know that's not much comfort to you but at least you can point and laugh at him.
I've had one in the past and while they're annoying, I'm positive they do reduce cybertheft which (and I'm only guessing here) would probably be even more annoying to deal with. I remember having to call home, hope someone was there and then direct them to where I thought I left the thing and have them read out the seven digit number to me only to realise that's only valid for one minute before it generates a new seven digit number. It still beats lining up at the bank.
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