Re: why would anyone link their bank accnt to paypal
"I don't like borrowing money, I'll stick to debit thanks."
Or you could just set up a direct debit to pay the whole bill every month, and enjoy the better protections provided through credit card use without ever going into debt. As is so often the case, just because some people misuse a thing does not mean such misuse is required for all users. It makes no more sense than complaining that some people are bad at painting so you'll stick to having bare plaster for your walls.
As for the article itself, pretty much a big "eh". Yes, social engineering remains by far the biggest threat when it comes to fraud. Humans are always the weakest link when it comes to security; as long as there is someone, somewhere, with the ability to screw around with your account details, this kind of fraud is always going to be possible. And since changing account details is something that often needs to be done legitimately, that's never going to change.
Biting the hand that feeds IT
