> If the general public would learn and implement even one out of the below list items, they would significantly improve their online security I wonder if comp

> If the general public would learn and implement even one out of the below list items, they would significantly improve their online security I wonder if companies could do their part in improving online security by allowing the option of authentication through client side TLS certificates. That, in itself, would eliminate the necessity of the first 3 items in your list.