Very very true. But it's like saying, "most people will lose more money buying organic food avoiding cancer causing glyposates than they would paying for chemo." Quality of life and self sovereignty are worth the cost. This line of reasoning is also a slippery slope into buying kyc.
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It’s not at all the same as that. False equivalence.
Only if you frame it categorically or if you are intentionally dodging the point. Where my point isnt at all a false equivalence is that people often choose a higher short-term, visible cost to avoid a lower-probability but systemic third-party risk. If you pretend this isn't a viable risk then the problem is your own strawman, not my disregarded point.