but others might have the same problem with certificates and more money at stake...
Others will click on "add security exception" (and you should probably do the same).
Without the rather useless necessity of "click that one more link", this would be a non-issue...
(and like some previous posters I don't really understand what real (not-already-refuted) advantage there is to that extra click.
This question was already answered a few times. You may not agree, or you may not understand but the answers are here.
And since I've seen this idea fly around here a couple of times : no, it's not designed to filter-out people who have a legitimate claim but don't pay attention, people with significant balances do pay attention, and insignificant balances are, well... insignificant.
I don't see a good reason for having this extra step at all
Like I said, feel free to re-read the answers posted earlier.