With the rapid popularization of password-free functions, related theft cases and oolong incidents are common. Using the "password-free payment" function to steal consumer accounts often brings large amounts of economic losses to consumers.

The views of the younger generation focused on "convenience, trouble-free, and time-saving" Older people simply don’t know how to activate the “password- free payment” function. Some even have an "enabled by default" option, which makes it easy for consumers not to use it.