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I think the analogy is better than you are giving credit. I would say cars can in fact have much stronger influences in our lives than online banking can. For example, cars are much more likely to kill you. It's a much more important skill to recognize when your brake pedal is getting squishy so that it doesn't fail when you are careening down a mountain road, or recognize that an oncoming car is swerving erratically, than it is to realize you are logging in to an insecure phishing site. In the former case you end up dead, in the latter case your checking account gets wiped.

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