You might be right about Zuck being idealistic now, but we have a (much younger) Zuck on record calling his users idiots for trusting him with all their information. He may have matured, but people are justified in being wary. He’s shown some black hat tendencies in the past. I’m a lot more comfortable trusting my money with a bank rather than a company that makes its money selling my information. At least I understand the bank’s incentives.