It’s really difficult what to make all of this and to what level we really need to be concerned. If the NSA has reportedly cracked all of the encryption technologies that are used in personal and commercial data communications in the U.S., there is no reason to believe others have not done the same or will do so soon – be they foreign governments or criminals. To the “security experts” who won’t use e-banking or e-commerce technology, me thinks the odds of your being ripped off by the minimum wage barista at Starbucks are infinitely higher than they are of…