US Gov't survey: Half of Americans reluctant to shop online due to privacy & security fears

I do a lot of tech support and training for the general public, and in my experience many of the people expressing these concerns do so because they don’t understand how the hardware/software works.

It’s a similar phenomenon to why payday loan places are successful even when banks exist; if you don’t trust or understand how banks work, the clarity that comes from a payday loan place (they have menus, and the service is very straightforward) contrasts sharply with banks (which can seem abstruse).

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