SSL certificates are a necessity on any website that does any kind of transactions that require secure logins particularly if there is sensitive personal or business data involved. You don’t want some 300 pound guy in a basement capturing your password.
These certificates can be very expensive depending on who you go to and needs of your particular website but now there are free alternatives. These are more complex to install and have to be updated every 90 days but it only takes about 10 minutes.
In fact this website uses one. Go to SSL For Free and follow the instructions. They even have notifications before the certificate expires. This could save you a good of money if you want to deal with the 90 day update cycle,