Re: limits of end-user "testing"

> a) have two factor transaction signing (SMS or token based) to  prevent 
> unauthorized transfers via phishing

This doesn't prevent phishing per se. I can setup a phishing site that acts 
as a man in the middle proxy to the bank's site. You log into my site, I log 
into the bank's site, get a challenge, send the number to you the victim, 
you reply and I forward it to the bank, voila.

> I don't think two factor sign on authentication is much of a win  against 
> phishing, but it's better than passwords when you have to use  potentially 
> trojan'd or untrustworthy computers.

I think people are actually much worse off potentially beccause it will 
strengthen the bank's case that they were diligent in protecting you the 
customer, and despite failing they're not to blame and you the customer are 
left holding the bill (or in this case an empty account).

-Kurt