when it comes time - most do whatever they can to stay alive.
given this is the default survival mode, it is best to find a solution that most can adopt and manage.

you talk of  bullies. remember the schoolyard bully - how many walked away in tears? how many avoided them at all costs?

making them use as many resources as possible is the smart thinking. make them have to look in as many places as possible. make them have to acquire passwords or other secure access from multiple locations or people, make the rewards for every effort worthless (ie more costly than the reward) ....

drain their resources trying to drain ours.