I mention that only because it's one avenue. I figured obviously on a place like Hacker News that malicious agents aside from government could also compromise the security of 3rd party-held keys; as always security is a matter of difficult tradeoffs and anticipated threat categories.

I'm genuinely curious to know how VISA helps (or doesn't) in your analogy - what is a 'VISA problem'?

Mostly a joke, but I swipe a card and the problem goes away. No need to worry anymore.

Ah, thank you; I get it now: you don't need to worry about data theft because the drive was encrypted, so the only remaining problem is buying a replacement - a 'VISA' problem. I rather like that way of putting it; I might use it myself :)

VISA as in the credit card not a travel permit