Here's how it goes down:
The bottom line here is it's up to you to protect yourself. You need to be in charge of how your system runs and what you are viewing/doing online. The key to avoiding this security risk is always always always review what URL you are entering your password data into. That's it. When using computers connected to the Internet the rule of thumb has always been "constant vigilance." This is just one more thing to add into your mental check list you run through anytime something online looks suspicious.
For me this really isn't an issue, I don't have any money for hackers to steal anyway. *shrug*
Here's where I learned about this. Props to Ian and Alan for letting me know!