I read the article and I think the author blows the issue up to something larger than it is. According him, my answers to security questions on my bank account can easily be found on the Internet because I've put it out there somewhere. I disagree. This may be true for many Internet users but I don't believe it's true for me and, therefore, surely not true for numerous others. For example, if had chosen a security question about the name of the first pet I remember as a child, the author is saying it can be found on the Internet because I've stated it somewhere (facebook, a blog, etc.) on the Internet. But, he's wrong. I have not.
In other words, I think the author exaggerates almost every point he makes. If cracking usernames and passwords were as easy as he says, there'd surely be a lot more unauthorized accessing of banking and other financial accounts. Banking websites are generally tighter on security than non-financial accounts. Typically, access will be locked on the 3rd failed attempt to enter the password. So, that effectively blocks a computerized password-cracking program from successfully learning the password. And, getting the password reset is not as nearly as simple as, for example, getting a forgotten password reset on an Internet discussion forum.
The author says everybody now has all their files in the cloud. Again, this is an exaggeration. All my photos are on my hard drive, with most backed up on CD; none are in the cloud.
On the plus side, the author mentions some of the basic flaws of many Internet users such as weak passwords, using their email address (assuming not required) as a username and using the same password for many online accounts.
