I keep hearing on VPN ads that you have to use a VPN to not have your login information stolen. So far I have been using Cloudflare WARP to be safe enough. However, if I am using an HTTPS website, do I really need a VPN or WARP? Will an attacker on the same network as me be able to access passwords transmitted over HTTPS?
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This is not completely true. Try to look at email from shops (for campaigns etc.), and you will see tons of click-tracking links that go through HTTP. Any of that gets hijacked, and you have an avenue to be phished. DNS integrity is key, and a VPN being a layer 3 control (i.e., at the network level, not the application level) helps preventing some of these attack vectors.