I've used a digital wallet for years to keep track of my passwords (I use Roboform but there are other choices).  Recently I found that it serves a purpose that hadn't occured to me: phishing prevention.  Here's the deal: I got a message from a friend with a link.  Without thinking too much about it, I clicked on the URL and was taken to a fake Twitter homepage asking me to log in.  Roboform knew this wasn't a real Twitter page, and so wouldn't log me in.  That made me realize that I was being scammed.  Thanks, Roboform.