Well, that's fair enough, if you're choosing to accept that trade-off. My concern here is that often it is no longer a meaningful choice, and everyone else is b

Well, that's fair enough, if you're choosing to accept that trade-off. My concern here is that often it is no longer a meaningful choice, and everyone else is being forced to accept the same trade-off whether they favour their privacy and security or not. In that particular case, with a simple payment card or the like, perhaps it's not such a big deal. However, when something like your phone, your home or your car is compromised, the potential harm is more significant.