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Try explaining encryption to a doctor/lawyer and you'll have the answer to your questions.

In my experience they are fine with encrypting PDFs. Adding a password to a ZIP seems to be more of a stretch.

Well there is nothing to stop you doing rsync with SSH and having something roughly equivalent to the professional version but try getting someone who isn't an admin or developer to get it set up.

This isn't meant to be negative about this company, it really may be easy for everyone to use and lead to a success.

It’s significantly more convenient.