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The code for the proxy itself isn't that complex, no. But it would have to be tailored to the target's banking site. Again, not extremely complex, but more difficult. And actually implementing the attack, including getting a homographic URL or rouge router, is quite a bit more difficult.

Again, the point is that the security image makes the attackers' lives more difficult. The image lends no "false sense of security" because without the image, you'd have the same sense of security.

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