If you had one of
These for each of the poker sites where you cared about your balance, your account would be much more secure than a user id and password could ever make it. Note that you would use this in addition to your user id and password.
The online game Entropia that uses real money as its "game currency" offer this to it's users as it knows people try to hack anything where money is involved.
In Europe, some companies send you a list of paper with a list of like 50 unique id's on it, that you need to enter in whenever you log into the site, and when you get close to using those 50, they send you another list.
The key to improving internet security is taking steps like these. You have your user name, password, and something physical that cannot be obtained through keystroke loggers, phishing attmepts, etc....