You don't have to be up to things nefarious to be concerned about privacy online. Merely attempting to do your banking via an open wifi hotspot or send/receive personal email on your phone or laptop a...
This all pretty funny since the government no longer sends paper checks as opposed to electronic banking, i.e. direct deposit. Been doing electronic banking and such for many years with no issues. The only problems have been from the places storing the data, not the way it's sent.
Like I said, if it gives you the warm fuzzies have at it. But basically a non-issue. More people lose their stuff clicking on links in email, and trying to get rich from the Nigerian princes.
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