> A mugger could knock you out from behind while you're using your phone and then empty your bank account or whatever. that's true, but they could also just po

> A mugger could knock you out from behind while you're using your phone and then empty your bank account or whatever. that's true, but they could also just point a gun at your head and tell you to empty your account. There's a balance of convenience and security. A lot of processes disregard convenience as a factor, but i argue that a laymen considers convenience a large factor, and would be willing to skip security for convenience.