If the site address starts with
https://, then it uses encryption to protect communications.
DNS is the Domain Name System -- an index of the internet that your computer uses to turn website names (like
https://www.orangetractortalks.com) into an actual IP address (192.168.0.0) that your computer uses to connect.
If you send your password to an http site, then anyone in the chain can listen in and read it, giving them access as you. Probably not an issue here, but would be if you are doing online purchasing or banking and sending valuable personal info.
If someone spoofs the DNS (eg: changes the address to something else, like 176.10.0.0), then they can redirect traffic from the intended site to their own site. Your computer will happily send encrypted communications to the wrong site. That site can relay to the intended site so you won't realize what is going on and the malicious site harvests all your info, such as credit card or banking passwords. That is called a "man in the middle" attack.
DNSCrypt encrypts the DNS communications to prevent DNS spoofing and ensure you are really talking to your bank's website when you log in. Just another layer of security.