Recently, the China Payment and Clearing Association issued an initiative on encrypted payments, calling on payment service providers to strengthen security management. The first point mentioned is that in the user activation process, confirmation of user activation intention and signing of non confidential payment agreements should be completed through prominent pages to eliminate default activation behavior. The activation of password free payment function has improved the checkout efficiency and customer turnover rate of merchants to a certain extent, but the problems are also prominent. Due to spending money without feeling anything, some people unknowingly become severely overdrawn; Some people are bound to long-term consumption unintentionally due to the association between dark stamping, pay before use, and automatic renewal; Some have given scammers an opportunity to take advantage of, and they have heard of cases of theft and fraud. Especially for the elderly population, they have limited experience in accessing the internet, limited discernment ability, and some may not even know that they have activated free payment. The losses should not be underestimated. For some time, there have been many roast around it. This initiative is a response to the public's call. And the keywords - "prominent page," "prominent method," and "prominent position" - all require the confidentiality free payment function to be open and transparent. Whether to open, how to set the limit, and where to close it must be clearly stated in public, fully respecting consumers' right to know and choose. From a long-term perspective, this is the only way to truly retain consumers. Otherwise, going to great lengths to hide the cat, purely self deprecating the reputation, will ultimately result in more losses than gains. The transformation of payment methods should not become a new security risk point. Now that the initiative has been launched, it depends on how the relevant parties can follow up in a timely manner. Of course, this cannot be solely based on self-awareness, and a certain supervision mechanism must be established. On the one hand, regulatory authorities need to increase their efforts to punish violations in a timely manner, and industry associations need to continue to monitor and keep abreast of dynamic changes. On the other hand, other entities should actively participate, such as knowledge dissemination, case promotion, technical assistance, etc. Strengthening the public's correct understanding and enhancing their awareness of rights protection are the key to preventing the "theft and manipulation" of non confidential payments as much as possible. Of course, the most important thing to keep your wallet safe is to develop good habits on your own. For example, regularly checking bills to ensure that every transaction is a genuine consumption, inventorying which ones are impulsive orders and which ones are "induced", and how to do a good job of "adding, subtracting, multiplying, and dividing" consumption? Spending money clearly and happily while surfing is also a life skill that must be learned in the era of online shopping. (New Society)