It seems unlikely most users on the Internet could even parse your suggestion, much less execute it. That doesn't make them stupid, just not experts in the subject. Instead they rely on experts, like you, to make the right choices for them in these esoteric matters. While there are any number of ways you might solve this problem, HTTPS is the best available option since clients and servers already support it. As ericflo is pointing out, a small number of sites deploying HTTPS would go a long way to achieving the goal of a more secure Internet for all.