People have tons of misconceptions about security and what makes them safe and not safe. The Internet has been around for a while now and it still amazes and people probably no less on average mistaken as to how things really work.
SSL (secure socket layer) is a good example. Most of you have seen the http and the https at the beginning of a URL. Your supposed to be using SSL when it says https. Couple of issues. What level of encryption is being used is different from site to site and especially if you connect to a server outside the US. It can range from something like 48bit to thousands. If the server is outside the US I think the current law is 256 bits. But not 100% on current law. Ok, well it has been proven that a lot of the lower ones can be broken or attacked fairly reasonably. Which is why 256 and higher is usually suggested.
However, there is a real problem with that. Most attacks aren't even preventable with SSL. Very few people packet sniff to attack someone. you would have to have a pretty good direct link on the network to get all guaranty you are going to get all the packets. Packets can take different routes and arrive in different orders. Which is why they have transport layers such as TCP/IP to help get them back in order so you can read your messages.... If you create your own packet network using UDP/IP you are taking the responsibility of ordering them and sorting them.... there are others. But I am not going to list them. The point is you need to understand it is easier for someone to get virus or back door on your system than try and packet sniff you in most cases reliably. That depends some on the network you are attached to as well. If you are connected via cable broad band verses DSL it is easier for someone to do it.
So why does SSL exist for the most part. Money. They want to get license certificates and so on to sites so that money can be made from it. If it was purely about Internet safety they would make getting a license free.
SSL doesn't prevent people from hacking your computer or the server your info was sent to. All it does at best is encrypt the information while it is in route between the two points.
I can make a fairly decent list these days of does and don't and misconceptions people have when it comes to security and protecting private info and actually being safe verse thinking you are safe.