You shouldn't ever have a public wireless network of your own, and you should never connect to other people's public wireless networks. If you're running/connected to an encrypted network, you're good, and setting that up isn't hard at all.
Why not? It's convenient being on the road and having Internet. I have my own wireless unlocked for the convenience of others. Also, it gives me plausible deniability in case I do something illegal.
Also, most websites with sensitive information are SSL encrypted anyway so even on an open connection, your information isnt at a huge risk. Regardless, the odds of anyone actually sitting there and actively reading all my packets are slim to none.
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