Same here. Most people tend to downplay risks "because they're big", but there are alternatives and it's worth missing a few opportunities for a lower risk.

E.g., I don't go to USA conferences because of the TSA risk, people find it funny, yet I keep hearing horror story after horror story. For Paypal, though, people take the risk unknowingly because they aren't aware of Paypal's reputation, which is more understandable.