If your domestic accounts only last for a few months, and your funds get held for several months following each termination, offshore is where you should go....
The transition to the chip-and-PIN credit card technology in the U.S. will reduce fraud from counterfeit cards, but other types of fraud will probably increase....
Online tech support merchants fall squarely into high-risk territory, but as long as they are focused on meeting the right challenges, they'll be in good shape....