A basic security fundamental is to NEVER use the same password for more than one site. Using the same password in 2 sites halves the security. 3 sites halves it again. By the time someone has used the same password in 4 sites, you can assume this password is compromised and available to any hacker.
It is also silly to used the same email for every site. Banking, social, shopping etc should be protected by using different email addresses. For example, if the email address used for all online shopping is compromised, you don't have to change your email address used for all banking or the email address used for all social sites.
Before I upgrade to the MB Select package, will it actually protect my whole online identity, or just one portion of it?