I just don't see noticeable TPM traction in the consumer market until applications like hardened online banking, shopping, etc. are brought to market by the companies offering those services.
Most fraudulent transactions are guaranteed now by those companies. And those costs are simply passed onto the consumer in the form of additional charges and fees. What is their incentive to harden their services.
Scary to think that someone could be trading in your account behind your back. I've already sent inquiries to my online brokers concerning this. Have you?