What people are guarding against is optimization. I don't mind paying 2 cents. I do mind paying 2 cents and then becoming marked for upsell and becoming subject to a full-fledged marketing campaign, or having some recurring 2-cent payment be changed to $20. Cognitively, I know that I am no match for the kilonerds out there trying to extract money from my wallet. So the only move is not to play.