> The risk/reward ratio doesn't justify it in their lives. It's also a pernicious ratio because there is almost no way to increase the "reward" portion, just de

> The risk/reward ratio doesn't justify it in their lives. It's also a pernicious ratio because there is almost no way to increase the "reward" portion, just decrease "risk." Eh, my non-tech savvy friends/relatives find themselves guessing at and then finally resetting their password surprisingly frequently. There's some room for "reward" there.