from the wonderful mind of randall monroe at
xkcd
don't let this fictional attacker's lack of action lull you into a false sense of safety. reusing your password does in fact open you up to attacks just as is described here and there are plenty of people out there willing to compromise your banking and other accounts for profit (though not all attackers will bother to set up a webservice to capture your credentials; phishing, malware, and user database compromises do an adequate job of capturing those as is).