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Bluntly put, SSL Certificates exist (or at least are widely promoted and used in their current form) to protect the business models of a few very large corporations. Especially against parties like sleazy ISP's, who might love to (say) replace all the Google Ads on web pages which their customers view with new ads sold by the ISP.

Beyond that, it's all FUD, marketing, and hype. And at least 90% of any actual benefits to normal users of the web fall under "convenient side-effect of what the large corporations would have done anyway, for their own benefit".

[/cynic]




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