Eric Norlin asks whether anyone else believes "Joe Sixpack in Ogallala, Nebraska [will whip] out his USB token to encrypt and secure his online banking transaction." This is in response to recent comments by Dave Steeves of Microsoft on using USB security tokens to secure online transactions. Eric, for the record, I'm with you. Further, I'm wondering whether the security of online transactions is even that big of a deal at present. Phishing, pharming, and Spam fraud seem to be much more likely to separate Joe Sixpack from his dinero.