Because it is easy to generate really huge prime numbers. And is easy to multiply two primes together. But almost impossible for someone else to look at that huge number and find out what your two primes were.
To give an idea how hard it is:
The RSA Laboratories published several very large numbers that they had obtained by multiplying two prime numbers together
They did it in a way that guaranteed that nobody, even they themselves knows what the factors are, created using a hardware randomizer (so no algorithm) on a computer with no connection to any network, and then the numbers extracted, and the hard drive destroyed.
So, we believe that factoring numbers is hard. While multiplying is easy - only takes a fraction of a second to multiply two numbers of this size on a computer.
But - if someone did invent some really fast easy way of factorizing large numbers - our https type websites would no longer be secure, and we'd have to find some radically new approach.
So far no signs of that happening luckily!
We would need to think about changing to a new system if this number ever gets factored (RSA-1024)
So have a fair bit yet to go before we need to start thinking about what to replace it with, another 70 or so digits.
I imagine will happen eventually in the decades to come as computers get more powerful - that is if they do.
If it does happen - probably would start by news that someone factoredr a 309 digit number with say 1000 work stations working on the problem full time for six months, or whatever.
If it happens like that, probably most people don't need to worry too much about their day to day transactions instantly - would need to be a high profile or valuable secret to be worth 500 years of computer time to crack it - but would be a sign that we need to find a better system pretty soon probably.
But - it depends on maths. If some mathematician came up with some brilliant novel idea of a new way of looking at the problem from a surprising angle - could it be solved? Suddenly able to factorize huge numbers in seconds, almost as fast as we can multiply them? Or is it intrinsically hard in some way?
Quantum computers also could make factoring large numbers much easier.