Hmm, perhaps I’m not explaining this very well. Morality has nothing to do with what I’m talking about. What I’m trying to describe is how I do risk assessment as a potential new customer, and how that affects creating client relationships for a business.
What I am saying is that you should be considering the risk tolerance of your potential customers. Sharing financial information on the internet is always a high-risk action, especially when you don’t have an existing relationship with the person or organization that is collecting that information, where there cannot be trust yet. People who readily take such actions can be accurately described as “rubes” because they don’t spend enough time thinking about risk.