I'm not a fan of:

- Google/Apple password managers

- Google/Apple pay

But they do work for many, it just means that:

- things you deem private enough to require encryption can now be taken from you.

- to enable recovery, most people will make it possible for big daddy tech to read that data whenever they want or need.

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Maybe not pay. I hear those tech are actually an improvement on banking tech.

I agree. I'm trying to view it as a stepping stone.