[Arnt]

That's not actually true.

Say I sell software, or SaaS. Then I may need military-grade encryption because I need to sell, a few potential customers (may) need that, and I need to keep my costs down so supplying the latest and greatest cipher to everyone is the right default. It may waste a bit of CPU but it saves the time of the sales and support people, and human time is expensive.

Say I'm going to buy something tomorrow, and I don't like SPoFs. There's a card in my wallet, or maybe two, but if the card reader in the shop is down, that's a SPoF unless I also carry some cash.