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You should use it most of the time. It lets you post, comment and vote.

thanks, can a hacker steal it and use it in nefarious ways?

Well they could use it to vote for things you don't like and post rubbish but they can't take money out of your wallet or lock you out of your account.

Spamming comments is frowned upon by the community.

Continued comment spamming may result in action from the cheetah bot.