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    Who said e-mail and websites are useful for e-commerce and
    financial transactions with absolute guarantee?
                                                                                
    They are only as trustworthy as e-commerce and financial
    transactions over e-phones (note that most phones are
    electric).
                                                                                
    If some reseachers of cryptography have convinced you
    differently, it is merely that they are more elegant
    in deceiving you than most spammers.  [3]


- Paul


[1] http://www.cardweb.com/cardlearn/faqs/2002/aug/8.xcml
[2] http://www.bankrate.com/brm/news/biz/Cashflow_banking/20021204a.asp
[3] http://www1.ietf.org/mail-archive/ietf/Current/msg23628.html