I said nothing about a savings account. You went off on a tangent about checking vs. savings but that wasn't the point. There are plenty of investment options with a far better return and security than checking/savings accounts.

I agree we need safer methods of conducting transactions on-line. However, I don't believe you can blame systemic problems with banking security on teenagers or parents. Furthermore, I did not question anyone's intelligence because their on-line needs differ. I questioned a little old lady's intelligence because she made a series of poor choices which in turn resulted in a drastic increase to the likelihood of her losing her life savings (or in this case, reality). She put all her eggs in one basket without checking to see if her basket was full of holes.

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