Granted, I only have worked in B2B and never B2C, but as a technical PM, I care VERY much about security and am often the primary SME for several aspects of security (I was an engineer with a background in security for more than a decade before becoming a PM). Saying "Users don't want to deal with that and it should be easy" is not the same thing as "open a gaping security hole", the fact you are conflating them indicates either the people you're referring to or you yourself lack creativity.