You can't convince millions of users to switch from one payment method to another by the "weaponised" and "reliance" and "essential security" arguments. These arguments might work on me but not on my parents nor my children (who do not care much about these but do care about having a universally accepted payment method which is easy and safe to use.)

The question here is "what is the benefit to individual users," not "what is the benefit to the users community as a whole."