You have chosen to have a different risk tolerance than the person you’re replying to. They explained their threat model, you disagree. That doesn’t make you ri

You have chosen to have a different risk tolerance than the person you’re replying to. They explained their threat model, you disagree. That doesn’t make you right or them wrong. It’s simultaneously true that for your model they’re being naive and for theirs you’re being paranoid. That’s fine.