So, I finally broke down (in the metaphorical sense) and got myself an E-ZPass. For those who don't know, E-ZPass is an RFID-based electronic system for paying tolls on various state and interstate roads, bridges, etc. E-ZPass is currently accepted in a number of Northeast, Mid-Atlantic and Mid-West states. Other states have similar systems, such as Massachusetts' "Fast Lane" (compatible with E-ZPass) or California's "FasTrak."

I know quite a few people who have used E-ZPass for awhile, but I've been hesitant to get one for a few reasons. Some recent changes, however, have shifted my risk-benefit analysis in favor of enrolling in the E-ZPass program.

Fears and concerns

Until now I've had two primary concerns with E-ZPass, which has prevented me from getting it:

Financial – There are a number of ways to pay for E-ZPass, but the one that seemed most convenient (and the only one which doesn't require a deposit) was to to have a specified amount charged to a credit card every month. Until now, I did not feel comfortable having an automatic charge sent to a credit card.

Freedom – The conspiracy theorist and disestablishmentarian in me thinks that there's just something disconcerting about knowing that the government can track me. Sure, theoretically they can only track me on toll roads, but that is a small comfort. Plus, it would be very possible to set up various RFID "checkpoints" – possibly without public knowledge – that could track vehicles elsewhere. According to Wikipedia, E-ZPass and similar systems have been used for non-toll (but still fee-based) purposes, such as at parking lots. Also, E-ZPass data has successfully been subpoenaed in civil lawsuits.

Why I signed up

Ultimately, my fears and concerns, while not eliminated, have been lessened by the benefits of having an E-ZPass based on recent changes.

Less debt – I recently paid off most of my short-term debt (yes, I am positively bragging about it :P ) and therefore feel more comfortable about allowing some regular charges to my credit cards. Since I have to pay tolls on toll roads anyway, I'm not paying any more or less than I would otherwise – though when I pay has shifted a bit (E-ZPass is a pre-pay system).

More travel – My wife and I separated last year. She lives about four hours away, and I travel to meet her every other weekend or so to pick up my kids. I have a big incentive to shave time where I can, including by skipping long lines merely to handover a fistful of change.

Cashlessness – I barely ever have cash on hand, and I pay for most things with credit cards. Why not tolls, too? I just hate carrying around bits of paper and metal. (Yes, I realize this conflicts directly with my fears of being tracked and persecuted by the government – what can I say except that "I'm complicated"?)

Conclusion

So, it came to the point where the pros outweighed the cons for me. I'm not advocating for or against E-ZPass (or similar systems); each person should weigh the potential risks and benefits for themselves. There might be other reasons to get (or refrain from getting) E-ZPass – let me know your own thoughts below.