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I wish there are more comments like this on HN - well done :)

the number of people commenting like “well I don’t do/use/…” is mind-boggling

Maybe they're one of today's lucky 10000, learning that other people are different.

"It hurts whenever I hit myself"

"But you don't have to hit yourself"

"tHaT yOu DoN't hIt YoUrSeLF iS IrReLeVaNt To ThE pEoPlE tHaT dO"

I think the point was that PayPal and Apple are different since PayPal is easy to mitigate, and Apple not so much.

I would go even further and say for most PayPal users there never was anything to mitigate because they didn't keep a significant balance there in the first place. Which is a perfectly valid reply to someone not understanding why so many people would keep using PayPal.