For those that are questioning what the point of the lengthy article is because the title doesn’t help much, here’s the explanation:

Imagine it this way: let’s say every time you stepped outside your front door, you decided you want to be safe, so you dressed head-to-toe in full combat gear, complete with bulky full-body kevlar, a helmet, safety glasses, steel-toed boots, and gloves. I can stop the scenario here: even for those of us living in the roughest places, that’s a silly visual because it’s overkill. To be a little detailed, it also goes back to that word I used: “you want to be safe.” Safe from what? The sun? Then just put on some sunscreen and a hat. The cold? Put on a jacket. Danger? Keep your eyes up, headphones out (or low), and be aware of your surroundings.

Yet, many of us do the equivalent of overdressing in our digital lives because, as I said, we don’t always see it right away. Most people can instantly tell when they might be putting on too many items of clothing. Even something as simple as a jacket – when you feel the weight and restriction of movement – makes you pause enough to go “how cold is it really outside?” With the digital world, it can be much harder to notice the added weight, at least for a while. This makes it easier to overdress and not notice for a long time – or to dress up in full armor except for going barefoot (like I said, inconsistent action). In the past, I’ve compared some of the easier cybersecurity strategies with locking your front door: it’s technically inconvenient but we accept that inconvenience because the dramatic increase in security and safety outweighs it. This is comparable to things like using a password manager and 2FA or making the upfront switching cost to another service.

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Once [people] understand the concept, they quickly start to realize where they can safely dial back to something less stressful without risking themselves and where they should instead focus more attention to improve. You don’t need the entire suit of body armor, you just need to put on a jacket.