The nature of the internet
I have always said:
The internet is the best of anarchy, and the worst of anarchy.
and
There is always the trade-off between security and facility.
Over recent years (a relative term that encompasses more and more as I grow older), internet banking etc. has tried to make the internet look organised and safe, so Joe Public is even less inclined to listen to me.
And another saying:
Eyore was an optimist