Formula for Disaster: Banks plus Spyware

A few months ago I went to our local credit union to add my name to my wife’s checking account. Like most credit unions the atmosphere was relaxed and neighborly. The credit union employee that helped us sat at a desk out in the open and we snuggled out chairs up beside her as she entered my information into their databanks. I began to feel uncomfortable as I watched her type my name, address, social security number, mother’s maiden name, and birthdate into a web form. In the old days you would see bank tellers using a terminal emulator and would feel “oooh that must be secure