Many websites that sell products via the web have taken measures to ensure that a potential customer’s information is kept private.  Sometimes, however, this is not enough.  EBay, for example, uses an intermediate system to complete transactions if buyers choose to utilize it.  Paypal is a trusted site that completes merchant transactions using bank accounts and credit cards.  Many times people have gotten emails asking them to provide user name and password information.  These emails are, in fact, sent by hackers themselves.  There must be more than a simple warning done on behalf of Paypal to stop this crisis.  Paypal is just one example, there are many more.