Let me see if I can explain in English, as opposed to technical language, using analogies.
When you are dealing with a bank (through the normal postal service) the letters you receive will be in simple envelopes (OK, normally with the bank logo on them), with nothing to indicate what the contents are. The Post Office will not tamper with these letters in any way (OK, very occasionally you get a rogue postman, but the Post Office cannot be blamed for that; and they do what they can to weed these out). These letters are secure.
Now imagine that, for certain reasons, the Post Office starts using an outside courier firm. This firm removes the plain envelopes, and puts your letters in completely clear envelopes (while also taking advantage of this action to read your letters from your bank). Your bank details are now exposed to the world; sort code, account number, transactions and so on. The only thing that might have any form of security is the card with your PIN (as it may have a scratch panel, but this is not always the case), but that does not help much. Now anybody with a bit of intelligence (and a little bit more snooping) can access your bank account and do what they like.
Based on what I have read on this thread, Tapatalk does not have much in the way of security, to the point where it is easy for a relative novice hacker to read all of your details, and could then (at the very least) post up on forums you have access to derogatory posts purporting to be from you (it appears that the passwords are sent in clear; in other words, they are not coded in any way, and anybody can read them easily). If they can get copies of numerous messages it is possible to observe patterns in them. They may also have a way into the forums themselves, with the potential to cause bigger problems. After what happened recently (to the NHS and world wide) I can understand WHY the moderators have started to make the forum more secure, but I WISH they had tried to explain (in English and not techno babble) why this was necessary.
Does that help to make things clearer?
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