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"so few" people are using online banking ? Or are most of them just connecting via unencrypted telnet sessions ?

Any encryption that relies on CA certificates whose issuers can be coerced by the government is not secure by default if you want to protect yourself from said government.

How about surfing in incognito/private mode? is that a red flag?

And how about using outgoing VPN from your office? If you are and IT security chief and see somebody doing it - what will you think?

Is not speeding a red flag if the flow of traffic is going faster than the speed limit?