Ian G wrote:
 > This will change,.  I predict that the banks will end up
with the liability for phishing, for good or for bad, and
they will then find it in their hearts to finance the add-ons,
which will battle it out, thus leading to the 'best practices'
which will be incorporated into the browsers.

I think that the odds are better, historically, for the following
bet:

Banks will shift to the users the cost and liability for phishing,
for good or for bad, and they will not finance any add-ons
otherwise they would have the liability for those add-ons failing.
The solution for phishing will have to come from developers and
will be adopted by banks as long as (in this order): (1) the bank's
liability is zero, and (2) it works.

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