Psychologically speaking I think about the situation as
- a learning process rather than a destination (when you mention “perfect” that’s a warning sign)
- a spectrum rather a binary position (even a king back centuries ago or a rich CEO or a powerful politician today has limited privacy, so it’s about moving positively over that spectrum)
- a worthwhile adventure helping to better learn about other things (e.g psychology, technology, politics) rather only costs
So… yes in fine it’s the same, i.e “more hoops” to go through to do the same things, BUT when framed positively it’s genuinely more exciting, more empowering!
How about prepaid credit cards?