BOSTON ( TheStreet) -- Thieves, Mother Nature, vandals, arsonists and hackers are all digging deep into our nation's collective wallet.Each year, losses mount for people and corporations alike from such disparate drains as fire, fraud, flooding and purloined identities. For example, in 2008, at the heart of the recession, 7.5% of U.S. adults lost money as a result of some sort of financial fraud, according to a survey by Gartner analysts. Payment card fraud -- including credit, debit and ATM cards -- were the most common perpetrated by thieves, claiming 36% more victims that year than other types of fraud. Gartner found the impact was worst with new account, credit card and brokerage fraud, with average losses per incident totaling $1,097, $929 and $900, respectively. Institutions lose along with consumers, from a tarnished image that translates into lost business. Twenty-eight percent of victims of checking- and savings-account transfer fraud say they changed banks as a result of security concerns, Gartner says. This compares with with 5% overall who switched because of concerns regarding the financial health of their banks and 21% who changed because of what they felt were excessive fees.