I work in secure systems and it’s shocking how many people believe this - the incentives from management are all about it too.
Eh. If only it was that simple. I mean, yes, money is always a factor, but not nearly as big of a factor as 'my convenience outweighs pretty much everything ( until it causes sufficient amount of havoc.. and even then.. )'. You can see it in just about everything. It is not just the money. It is the convenience that drives most of the unsecure behavior.