Successful delivery of software gets easier with experience, I don't make the level of mistakes I made 15 years ago, I often *know* the answer to a problem now without...
Certificates are a useful part of a security scheme but surely platform vendors need to do more to build infrastructure into OS's etc for managing them more effectively?
There are also legal issues surrounding this. Certainly in the UK you would normally have watertight clauses in your employment contract regarding data theft, non-disclosure.