David's point is extremely well made and timely. Most of the problems with the Internet aren't technical problems, they're human engineering problems. Many, if not most viruses, trojans, and phishing expeditions rely not on technical flaws with software or protocols, but on the gullibility of people and their receptiveness to simple human engineering. People are gullible about the Internet because they have been "sold" the entire concept of the Internet by the media and the likes of Microsoft, who have touted how, like white bread or the latest toothpaste, it's amazingly new, wonderful and easy it is to use, and how secure they, the purveyors of Consumer Internet Mythology, have made it. If American e-consumers are going to believe the Big Lie from these folks, then yes, they will get robbed, ripped off and generally digitally raped. No amount of "gated community" technical security will prevent this. The gates are in people's minds, except, of course for the Bill variety, which is part of the problem ;-)