> I'm not a security engineer so pardon me this is dumb. I am a security engineer, and this isn't dumb. It's a very well thought out, smart question. I'm not

> I'm not a security engineer so pardon me this is dumb. I am a security engineer, and this isn't dumb. It's a very well thought out, smart question. I'm not going to try to out do the other answers, but will point out, most seem to underweight the importance of social proof, and convenience