This is one of the reasons people are skeptical about doing transactions online. Part of it is comprehension, and there we do a lot for our customers in teaching them, for instance, that we will never send them an email asking them to log into their account or to update their information. If you ever get an email like that from PayPal, you know right away it's a spoof.
There's a lot of that sort of comprehension that we attempt to do with our customers. Along with protecting them, there is proactive education to help people understand what they can do to protect themselves.