Phishing scams are all over the news right now, rekindling the many scare stories about the dangers of using your credit card online.

Truth is that, as long as you're sensible about it, paying online by credit card is probably much more secure than the equivalent offline transaction.

Some people, however, should never be allowed to use credit cards - online or off. They're just too dumb.

Evidence (look carefully at the background of the photo).