My point was simple. I'm not spending money on something I don't need. I don't use cutesy passwords with familiar personal info. They're all annoying random and long alphanumeric combinations (sometimes literally made by smashing my hand on the keyboard). I would like the option to turn the security feature off with the explicit warning from SE that they won't help me if my account is hacked. I'm not going to turn crying to them, I know it's a risk, but frankly, that should be mine to take. I don't need SE holding my damn hand all the way.