I meant that sending logon + password is somewhat pointless if it's plaintext over the internet, while if you have some encryption going on, someone interceptin

I meant that sending logon + password is somewhat pointless if it's plaintext over the internet, while if you have some encryption going on, someone intercepting the data in transit would have a harder time using it to trick the client or the server. In that sense authentication is more meaningful with a certificate -- even though using a CA still allows interception by a government actor. It narrows the range of those who can "break" the attempted security.