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I will leave the law out of my answer, but for someone how has been doing Internet Security for 6 years I will give you something to think about.
Say you could access a perfectly open access point. You do not know if that someone is using a protocol sniffer or packet analyzer to read your data. Also don't think big here, nevermind the fact your bank communication is SSL (Secured Sockets Layer).
Let's say they're reading your email streams to friends and see that you are going to be gone for a period of time.
Maybe they get the email address to Aunt Sally saying that you will be there in a few days. Then the next day that person with an open network sends aunt Sally an email containing some horrible content.
Trust me I have done it too just want you to be aware anything can happen and you usually do not know who's network you are connecting to.
Anytime you use a computer, like driving a car, THINK.
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