Using encryption on the Internet is the equivalent of arranging an armored car to deliver credit card information from someone living in a cardboard box to someone living on a park bench.In other words both ends of the communication must be secure. With phishing, pharming, malware (including rootkits), drive-by-downloading, computers without passwords, etc. Your home computer is at risk. What are you doing to protect your computer?
— Gene Spaffor
Then there are all the security breaches and lost computers, tapes, etc at the web sites/stores you shop at. look at TJX the company behind JMaxx, Marshalls, Winners, HomeGoods, TKMaxx, AJWright, and HomeSensse. TJX experienced, and tried to cover-up, one of the most extensive long term security breaches in history. Additionally it has been the one that has had the most fraudulent charges directly linked to the break-in.
Don't let a secure connection lull you into a false sense of security. Your personal information my already be out there.