Obviously part of the reason you hate that quote is that it's a misquote.
It was written in 1755 by a then-loyal subject of George II. It's uncertain --- maybe even a little unlikely --- that Franklin was even its author. The quote is taken from a letter from the whole of the Pennsylvania Assembly to the governor of Pennsylvania. Franklin denied authorship of the compilation from which it's taken.
The quote itself is: "Thofe who would give up essential liberty to purchafe a little temporary safety deferve neither liberty nor safety".
Note the words "essential" and "a little temporary". The letter to the governor isn't an extended treatise on the rights of man; it concerns the utility of a bill funding the protection of far-flung frontier settlements in the context of the French & Indian War. The words mean what they say: it's bad to trade essential freedoms for small amounts of temporary security. The PA assembly wasn't interested in helping us with situations involving ephemeral freedoms or large amounts of transient security or small amounts of important security.
It doesn't help that this quote started a centuries-long game of telephone almost immediately.
You are of course right in the broader sense. The quote as it's usually deployed on message boards is borderline nonsensical. Benjamin Franklin signed the US Constitution, which is the world's oldest enforced contract regarding the exchange of liberties for security.