Any encryption scheme is crackable given enough resources.
Your statement is true, but not very useful. An encryption scheme that would take
current high-end computers millions of years to crack is, for all intents and purposes,
uncrackable in the forseeable future. There are encryption algorithms that have been
shown to be insecure (an example is the old ZIP password protection), and can be cracked
using a typical computer in a very short period of time. Something like AES isn't likely
to be cracked by a typical computer (or even several thousand typical computers) in any
reasonable timeframe, particularly if a strong passphrase is chosen.
For example, you can install TC to use 3 ciphers in your laptop, but
only one in your desktop, because the laptop is a less secure device.
Right. Again, for most Quicken users this is nothing but overkill, an only one in your desktop, because the laptop is a less secure device.
additional application to install and keep up to date and more
complexity with little payback.
Perhaps, but TrueCrypt is pretty darn easy to use, and generally isn't something that
needs to be updated regularly. On my system, the only extra complexity is that I
periodically need to enter my passphrase to access that data. The payback is that my
data is totally secure, even if somebody steals my machine.