I totally see what BW wants to do with this. A lot of people don't want to be bothered to either spend $4 for added security or even be bothered to download a free app for their phone(if they have one) for added security. This works as an incentive to do one of either. The people who don't secure their account are the same ones that will cry and complain when they do get hacked because they aquire keyloggers, etc on their computer. The time BW staff spend on investigating and recouping all the items someone lost because of a hacker could easily be avoided with one of these two things. I say REWARD those that secure their accounts. Now BW isn't making it MANDATORY to do so... they're just making it REALLY appealing to do so.