Actually, there's a whole set of mental heuristics that are evolving in my head surrounding monthly-recurring-discretionary-fixed-costs, as compared with the cost of a $BEVERAGE at the $VENUE. It runs the gamut from a $5/mo DO droplet, which costs a Bier vom Fass in your average pub in Germany and grants me a public-facing static IP, to a $20/mo donation to Wikipedia, which costs a Singapore Sling at the Raffles Hotel and grants me a clear conscience when I dismiss its increasingly concerning[0] petitions to donate.
All that said, in addition to the booze quotient, one also has to compare the more nebulous cost of _providing payment credentials at all_ to a new party which didn't have them before; i.e., enlarging your digital footprint[1]. This often must include a mailing address and/or a phone number. In the event of a breach, the consequences to the payor range from a mere uptick in spam/robocalls/junk mail to identity theft and all that entails. We can agree the dollar here is a huge wildcard, just like the odds of it happening at all. It varies by individual, is usually unquantified, my point is the cost/benefit gets real muddy, real fast.
Actually, there's a whole set of mental heuristics that are evolving in my head surrounding monthly-recurring-discretionary-fixed-costs, as compared with the cost of a $BEVERAGE at the $VENUE. It runs the gamut from a $5/mo DO droplet, which costs a Bier vom Fass in your average pub in Germany and grants me a public-facing static IP, to a $20/mo donation to Wikipedia, which costs a Singapore Sling at the Raffles Hotel and grants me a clear conscience when I dismiss its increasingly concerning[0] petitions to donate.
All that said, in addition to the booze quotient, one also has to compare the more nebulous cost of _providing payment credentials at all_ to a new party which didn't have them before; i.e., enlarging your digital footprint[1]. This often must include a mailing address and/or a phone number. In the event of a breach, the consequences to the payor range from a mere uptick in spam/robocalls/junk mail to identity theft and all that entails. We can agree the dollar here is a huge wildcard, just like the odds of it happening at all. It varies by individual, is usually unquantified, my point is the cost/benefit gets real muddy, real fast.
Your mileage will vary.
[0]: https://cyounkins.medium.com/jimmy-wales-final-email-de36f39... [1]: https://en.wikipedia.org/wiki/Digital_footprint