If you are doing banking online, ebay or paypal you should be using a direct line and not wireless.
If your bank is not communicating with your browser via ssl, you ought to dump that bank. What makes you think the worst baddies are huddled within 100m of your wireless router? Here in the UK the big ISPs actively snoop on their clients' online activities and market it as a service (I am sure they do this in the US, too). As a result, I use ssh to set-up an encrypted tunnel between my home network and a trusted server. This is not as complete a solution as end-to-end encryption, but it does mean that prying eyes in my neighbourhood up to my ISP see nothing useful, i.e. it is as safe, if not safer than, using a wired connection and my ISP's servers. And it also means that I can use open networks at cafes, work, etc. without fiddling or worrying.
Personally, I run WPA2 and access controls on my wireless router but this is for the same reason I lock my door when I leave my flat: to persuade other basically honest people not to help themselves to my stuff when I am not around.
Incidentally, FSF has developed a Firefox plugin
that allows you to interact with several large search services over an encrypted connection.