Online shopping and online banking are perfectly fine to do, and 100% safe PROVIDING you don't fall into the caveats that 98% of people who get hacked do.
First off, most places use a 32 bit, 64, or 128 bit hey encryption. What that means is someone was listening, they'd get the info coded. A 128 bit encryption would take a CRAY computer (currently the fastest computers on the planet) 10,000 years to break.
During Christmas, I ONLY shop online for all my relatives.
So, what to look for? First off - look for a lock symbol. Depending on your web browser it will be located somewhere (firefox it is in the lower right). Second, look for httpS - the "S" is for secure.
Unlike other http sites, an "S" site, cost serious money to buy. That is why a great deal of private individuals will use services rather than shelling out 500-1000 dollars a year.
Third, always keep your virus checkers up to date. The biggest issue is people visit sites that have key loggers and cookies. The key loggers sites is why people fail.
You should also have different passwords for EVERY site. From Oxhorn's site to every single site that has a password.
And Baron it's not like those days of the Great Depression. Everything is handled electronically. If tomorrow, every computer on the planet failed, the world would be in chaos. No store would run (electronic cash registers), no calls other than land lines, no transportation; basically a world of chaos. At that point, your paper money would mean nothing.