Note that neither of these mention VPN at all:    
https://consumer.ftc.gov/articles/how-recognize-and-avoid-phishing-scams    
https://www.howtogeek.com/729972/how-to-spot-a-fraudulent-website/     

And these might be useful:    
https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/quiz     
https://www.knowbe4.com/phishing-security-test-offer
https://phishingquiz.withgoogle.com/    
https://www.phishingbox.com/phishing-test/    




On Thursday, October 12, 2023 at 21:08, Charles Meyer eloquently inscribed:

> Deborah Fitchett wrote: <snip> So all your patron needs to do is make sure
> they go to the bank’s website, not some scammer’s. They don’t need any
> fancy extra services. …”
> 
> Patron is concerned about using a library hotspot in her home and
> connecting to her brick and mortar bank using the library’s free WIFI and
> having some hacker or nefarious character who’s profiled her hacking into
> her brick and mortar bank Web site. Then her worry is connecting to the
> online bank’s Web site (still on the library free WIFI) and her online bank
> account being compromised.
> 
> There has been a lot of fear mongering out there so people are afraid of
> going online to do any online banking.
> 
> Thank you,
> 
> Charles.