Security is fundamentally subjective because whatever objective calculus you use will always depend on the threat model at hand, and everyone’s threat model is different, i.e. subjective. I’ve personally lost a physical credit card but never had my card details stolen in 10+ years of using payment apps.

This is the most unhelpful kind of comment where you basically shame someone for having preferences. Why people feel the need to make their callousness public instead of just shutting up, I never know.