no one even pays attention to the client side of ssl. how many of you use your own ssl certificates? you basically can't under the cert authorty scheme. it's a racket and no one is going to pay for these. and do the banks even care? they use tactics like cookies and follow-up emails to verify customers (hardware).
and why does the bank have to be able to switch their ip address without telling anyone? what if the same was true for phone numbers? people would be like wtf? load balancing? c'mon. too difficult ot type? thnk about the trade-offs in security, all for the sake of not looking at a number? ipv4 is no longer than an area code and phone number. just tell people where your servers are and let them choose the one that is nearest. which incidentally, contrary to conventional wisdom, is not _always_ the one that will be the most responsive in the ever-changing state of the network.
there's nothing more annoying than being subjected to using trial and error and you are not allowed to do any of the trial when the errors start coming. out of your control.
what happened to the concept of "important numbers"? are we to believe you only need to remember "google.com" or "yourbank.com"? that's a security problem waiting to happen.
second honest question: why does bank website need to embed links to third party reources and require that customers enable their browsers to access all these indiscriminantly (user doesn't get to choose) and to enable javascript?
is javascript needed for security of a connect or to accomplish a financial transaction? because that's all i need from the bank website.
i think we're past the point where customers need to be enticed to use the web to do things like banking and shopping. they're going to be forced to. so we can forgo the silly demonstrations and gratuitous use of javascript. save for "show HN".
what we need is simplicity, reliability and security.