a dumb idea for the internetz

Every time I type in my debit card number and PIN on some website I'm always worried about seeing my bank balance disappear in front of my my very eyes. I've fallen for phishing scams before and consider myself quite capable of doing so again, given enough sleep deprivation and hurry to get somewhere/ book something.
 So I'm considering a two-step process: have a second account into which I can deposit some cash now-and-then from the bookmarked website of my favourite bank on my favourite browser from my computer which lies behind the firewall of my institute under the benign oversight of my sysadmins down the hall, aaand then, with the calmness of the Buddha, buy the shady gadget/ book a bus ticket in the shady net cafe in some town between Hubli and Dharwad.
 Of course I could go high-tech and run Firefox from my flash drive with an add-on that a friend was telling me about that'll encrypt any password I type into something quite different before depositing it on the username/password bar, thereby dealing with any keyloggers present. Or I could go nucular and just run my own OS off the flash drive...