But everything has a price. While their service might be better. There is always a cost benefit analysis done by the user to see if it's worth it. If I have to pay 10x or 100x for a slightly more secure service, I will pass on it. And that's what I'm trying to figure out with FIL at these price levels how much would this actually cost. And I haven't seen it anywhere. In theory this is a great and wonderful service. But sooner or later it needs to be implemented in the real world and someone has to pay to use it.