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Security when using credit cards /paypal

Ok, I see that Market purchases go through Google Checkout.

Worryingly, now that I’ve set it up, it doesn’t even ask for a password on the phone (does on PC). Is there any way to make it require a password?

I’m not sure what would happen if someone were to make a purchase from another site, whether it would ask for a password again or not, but to be safe, I think I might delete the card once I’ve made purchases and enter it again when I need it.

Yes, I should add a lock pattern, but hate having to unlock every time I use the phone.
 
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