For a careless user, or one who does not bother to learn about the risks, having one's account stolen is more of a danger. On the other hand, for a reasonably cautious user with a basic understanding of the risks involved, and whose life varies at all from predictable (affluent) norms, losing account access due to Google's protective measures is a bigger danger – and more of a hassle to guard against – because these protections are so easily triggered