If you can afford it...
Exactly!
The thing is; some people CAN'T afford better. So they go with what they can afford. That's why it pisses me off when these self-aggrandizing spot lite seekers, put bypass information out there to the world "in the interest of 'better security'".
The truth is, some people simply can't afford "better security". And it is those people who are hurt by people like Tobias.
(If anyone is starting to think that I respond to the mere mention of the name Tobias like a Pavlovian dog, you're right.)