[snip]
 
> Why is there such reluctance?

I think there are a several reasons why:

* Not everybody knows how to install/manage an SSL certificate
* Not every web hosting company allows multiple IP's for sites
* It wouldn't have been easy to get the adoption we're seeing with a MUST
* Majority of transactions are low-value today

Could we have gotten where we are today with the growth that we've seen
_with_ a MUST?  I don't think so.

The providers who are really serious about security and identity will have
SSL.

- Scott

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