> don't see a difference between encrypting your bank transaction, and encrypting your online conversation.
How is my online conversation with the bank any different than my other online conversations? Sure the content is different, but it's all the same medium, using the same sort of technology.
> How is my online conversation with the bank any different than my other online conversations?
It happened between you and your legitimate bank. Its definitely not like 2 terrorist exchanging information online. Unless of course your are HSBC bank.