Why buy the dongle-thingie?
Ok, so there's a web page where I can buy the dongle-thingie, just like I use for internet banking, but I can't find any justification of why I should blow US$10 on it.
I presume it increases security & lowers my chances of getting hacked, but why can't they say that, instead of just "give us your money, sucker"?
Is there, for instance, some guarantee that if I use it & get hacked they will compensate me? If not, why should I spend $10 when I can just use strong passwords (and buy a few cubes)?