I would say its a difficult one, seeing you referring to online, the internet, one has to ask:
1-Why did the Internet came into life-?
2-How did it came about-?
3-What were the motives behind the Internet bringing it along over the globe and invite everybody, aim is 7 Billion+.
4-One has to understand the Internet Digital Concept, has many ABSTRACT layers and the way that can react with us, that was until then Analog beings, what you see is what you get, and if you are fooled, it was more basic in nature. Now its totally different, and different with exponential factors, if you are fooled now, its complicated and NOT straight forward at all.
Now I think its safe to say:
1-That in 30 years of Internet growth, security is still a huge problem and growing.
2-That all us personal info is by this time already in the hands of criminals, noot by our mistakes as individuals, but by large entities carrying our info. Example...I have one celphone I only use in connection with tax and banks, only they have from my perspective, however since then, and a certain babk if I made a dealing, I usually get soon afterwards cals which I dont answer from unknown sources etc etc.
3-I was never ever paid for my personal information given out to an entity, or by having and using a computer online.
So what I want to say is that there is an awfull lot just wrong with the whole digital etopia, and building it further from such a base, I dont think thats a good idea for a secure fulture..........So I cannot answer this question from the current digital base.