I think the meta point across the other answers in this thread is that when people choose less "secure" options, it's often because they have a different set of

I think the meta point across the other answers in this thread is that when people choose less "secure" options, it's often because they have a different set of input values for their cost/benefit calculation. Too often, I feel like security conscious folks try to convince me to do X rather than Y by explaining to me why Y is insecure, when in reality I'm just not motivated enough to make a change.