While blog-hopping this morning, I ran into this entry on Multi-factor Authentication for the banking industry and I thought this was worth reading….However, I think that they present a very one sided, from the “Security-Expert” point of view.

Unfortunately, many if not most computer users do not want or heed the responsibility of computer usage. They don’t want to worry about security and they don’t want to exert any additional effort. I’m not sure if the majority of users are ready to understand authentication at this level and send public keys to each institution they want to do business with. I don’t imagine the older generations that haven’t grown up with computers will want to deal with this, much like people don’t want to change their own oil or spark plugs. “It’s too technical.”, “It’s too difficult.”, or “I don’t have the tools.”, are all statements that you would probably hear. People just want to sit down behind their computer and have it work reliably and securely.

What do you think? Do you think that in the next 5 or 10 years we will all use strong encryption methods for common computer use? If so, do you think that 5-10 years is long enough to train the user base and educate the masses?