Gotta agree with Eithneangela re. using internet cafes and libraries, but in regard to using this on your own machine there is a lot of debate about this software and basically some people who install it have no problems others lots!
Personally having made my own informed decision I choose not to install it until directed/forced to do so by my bank but please visit some of the links below and educate yourself about this and then make your own informed decision about whether you really need it or not, this will depend on the type of computer user you are and your computer knowledge.
Do not believe any company that tells you they can secure your internet connection without any issues or performance hit, the internet and computing were initially designed to be as open as possible and today's many security tools try to lock down all the many vulnerabilities on your machine/software. A lot of companies initially claim their software is uncrackable but is in fact later cracked, perhaps the program itself is not cracked but some other workaround is found to circumvent it or perhaps etc.etc. this is a fact of computing life.
The internet is like any city, you can be perfectly safe depending on the places you visit, if you venture alone into the wrong part of town at night you can get mugged very easily, however you can also get mugged on the posh side of town in broad daylight in which case you need the police around to dissuade would be muggers, in cyberspace your police are an up to date Anti virus program, anti malware program, firewall and windows security updates ( better still use Linux/Mac as your os ) also a browser like Firefox instead of IE most of these products above can be downloaded for free and combined and used correctly are effective for everyday internet usage.
People rightfully get worried about the issues of fraud and id theft however don't forget some of this is stirred up by people with vested interests and there are numerous companies out there quite happy to help feed your fear and paranoia but lo and behold they have some product that can cure/fix everything.
They don't.
I'm afraid in this age people really need to educate themselves about the net, social engineering, key logging, trojan horses, phishing et al. the onus is not just on banks/shops to secure you, YOU must help in this, if you have a machine with no service packs, security updates, anti virus, firewall etc. and blindly surf the net inputting all your details, downloading questionable files, opening any email attachments then quite honestly you cannot expect the commercial world to come up with some magical program that will stop crackers/fraud. It's a partnership between your own computer security and the banks security, best way to do this is through some education.
I am not trying to start a debate about this product is better than that product, it really is about a combination of things as stated above and I have simplified things a lot, there are problems with every product but when you combine the products ( on the customer side and the banks side ) and most importantly keep them updated and educate yourself in their use then this is as much as you can possibly do and can prove to be effective at keeping fraudsters at bay.
I would love to install rapport and use it alongside my suite of security software however I cannot justify doing so if you get the performance hit a lot of users are reporting. It is of course entirely up to you.
If you want some great debate on this issue and some reply's from Truster to some of the many comments then go to the link below.
http://forums.moneysavingexpert.com/showthread.html?t=1579343&highlight=rapport
Some other links on this issue:
http://broadcast.oreilly.com/2008/12/snake-oil-legitimate-vendors-s.html
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http://aumha.net/viewtopic.php?f=26&p=229686