Originally posted by kanwisch
This is one reason some people won't do Internet transactions, and I consider those people to be smart. They realize they aren't knowledgeable enough to know when they're being scammed. For the rest, caveat emptor.
I'll expound, since my viewpoint was poorly defined. Some b/g first: I've been an Ecommerce developer/designer/administrator for four years, so I'm familiar with the security and implementations out there. Therefore, I've also seen lots of users' activity.
Based on this thief's comments, roughly 20% of users are willing to give out their info DESPITE repeated warnings. My experience agress with this, too. I've received credit card numbers and social security numbers via email from users having application problems (and I NEVER ask for this information, they just send it), and that would run roughly in the 20% of problem-plagued users.
My key point was that people who know their limitations and take action (or, in this case, avoidance) to provide for their own security are actually some of the most intelligent users. Here's an example. Everyone knows you don't buy something without SSL encryption in the URL (aka "https:"), right? Well, have you ever checked the page to see what it was doing with that information? I've found locations that are sending the form information via email to some other location!! That's just as insecure as using "http". I'm willing to bet that less than 1% of 'Net users even realize this is going on.
Sure, the sites you've all listed are reputable sources, only known for having been cracked on rare occasion (Ebay is one of the most attacked sites out there). And that's being smart. My wife and I are like you all, too, shopping VERY frequently online for convenience and price. But we all understand the risks involved.
I'm not saying buying online is foolish or insecure (though the latter point is quite debatable), I'm just saying that people who aren't shopping online are pretty bright since they know what they don't know. And there's a large segment of online shoppers who don't know what they don't know, and are thus open to easy robbery.