Remember, not everyone is as tech savvy as us Lemmings.

For some of them, who mainly use their phones for Facebook or whatever, if they go to log into a website, it pops up a QR code, they’d scan it, install whatever potentially malicious software it told them to, then give it whatever access it wanted. Boom, compromised phone.

6. Bad actors will start using clones of it with malicious QR codes to try and compromise your mobile device as well as your desktop one

Depends how Aussie mortgages work - if they’re lifetime, like America, sure, you’re fine.

If you’re supposed to remortgage after 2 or 5 years like most British ones, a crash can leave you unable to do that as the property is worth less than the mortgage amount, so you end up stuck on the default rate which is usually terrible.