Look for HTTPS label as a sign of Web site protection (File recovery freeware)

Look for HTTPS label as a sign of Web site protection  (File recovery freeware)

Look for HTTPS label as a sign of Web site protection 
Q. I have read that to protect yourself from the bad guys when transacting business online, e.g. using a credit card, you should only use sites that display ``https," instead of ``http" in the address or that have the padlock symbol on the page. My question is what keeps the bad guys from being able to use https or to defeat the padlock symbol?
Source: feeds.sun-sentinel.com