I started online in 1998 and was taught about the Internet and how computers worked by several people who helped develop them. These were the days just before business started to sell online.
I learned several things one of which was the idea of security online is a bit farcical. Today they have even jumped across thin air to log into a computer not even connected to the Internet. No amount of nick-names or even proxies can help you if someone wants to find you. That said for the most part most of us are nobodies.
But our money is still of interest and banks are not even telling us how much they are losing but every time they start revising how we login, what information we have to give and phone numbers we will keep it is because the criminal fraternity have found a new way to break into their accounts. This won’t change.