<i>"... Until the rating agencies' statistical models decide that not being on Facebook is correlated with high credit risk ..."</i><p>Believable.<p>If <i>you</i> don't define your online presence you risk being defined by someone else. The worst case, identity theft or at best some reported or leaked half-truth bit of information leaked from someone else. The key point is control over your online persona ~ <a href="http://seldomlogical.com/2009/08/20/digital-doppelgangers" rel="nofollow">http://seldomlogical.com/2009/08/20/digital-doppelgangers</a>