A MILLION rupiah? The man looked at the piece of paper in a state of disbelief. The paper was his telephone bill for the month of May. The bill was like a slap in the face. Boy Benyamin Wowor was dumbfounded. Most of it was for using the Telkomnet instant dial-up service, he said, shaking his head. He had never received such a shocking bill before.

Boy, the 31-year-old, is an avid Internet user. His work as a programmer puts him in constant contac