Thank you all for the answers, but after Guy and RobGoesWalking experiences I am more worried about my online security because I often pay bills while using public Wi-Fi, so I guess it is easy to see my credit card details.
When my daughter recently returned from a 3 week trip to NZ via Dubai she found that someone, based in Poland, had managed to get into her Microsoft account and change her password. We are not sure how this happened but she had been using public WiFi without VPN throughout her trip and the silly girl had not set up 2 factor authentication. Fortunately, she got control of her account back with bit of help from dad and as far as we can tell no lasting was done to her business.