Actually, I don’t. I don’t hate to say I told you so. As un-Christ like as that is, I love being right. Who doesn’t? I love proving people wrong and I love proving I’m right. I’m a prideful person. There, I admit it. I know, I know, where’s the grace? Where’s the humility? Don’t I know “pride cometh before the fall?” These are all valid questions and all very accurate. It is completely wrong of me to have to have this need to always be right and it is completely wrong of me to harbor the pride that I do. But hey, sanctification is a life long process and God is working on me everyday to make me into the man He would have me to be. And before people start assuming that I’m this extremely arrogant, snooty, jerk of a person, because I’m not, let me tell you this need to be right only applies to certain subjects or even certain said statements. Either way, I’m eternally grateful He has made numerous changes in my life and saved me from who I am and I look forward to the changes He is going to be making in me over the many years to come. Moving on…
One of the subjects I am most passionate about is privacy and how we as citizens of the US and of the world can protect those rights. The whole use of the SSN by the US and every company in the country is a whole separate topic which I’ll post about soon. Today’s subtle rant is about RFID and more specifically contactless credit cards. The I told you so part is my consistent stance that RFID is inherently insecure and should NEVER be used for any identity application or any type of authentication/authorization mechanism.
Earlier this week I read this posting and was consumed by a number of emotions. First and foremost, it’s amazing to me that people are not fighting this movement of RFID credit cards more, if at all. I attribute this to two reasons. 1) Ignorance - people just don’t know and/or don’t understand the security risks. 2) Laziness - people are ultimately so lazy that they will trade personal privacy for convenience. Part of the assurance to these people is the promise by Visa, MasterCard, Chase, etc. that if a person’s card is indeed “cloned” or misused, the consumer is not liable for any charges.
While this is all a very grand and noble idea, the risks are just far to great. This is why there are the hundreds of credit monitoring services out there now. That’s why there is Identity Theft insurance (which my wife and I have). By enabling this convenience (again due to our laziness), we have enabled the proliferation of identity theft, while at the same time lining the pockets of creditors who will so graciously monitor our credit history and tell us if there is a problem for just $99 a year. Without going into more technical detail of the additional risks involved and boring the majority of you (if I haven’t done that already), I will conclude with one last thought. Privacy is far too great of a liberty and luxury for us to give it up so easily. I urge each of you to consider this the next time you choose a credit card company or your current creditor tries to send you a new “more modern” credit card. This way, you won’t become one of “those” people that do get a contactless credit card and end up getting their identity’s stolen. And, you won’t have to hear me say I told you so… 
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