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It should always start in the disabled state and require a user to explicitly opt in.
After all the screen that contains it is only shown under two very specific conditions:
In the second case, one of the number one causes would be: "oops, forgot to disable the checkbox! Better log out and be sure to uncheck it this time..."
So the fact that Valve implemented this as standard-enabled flies directly in the face of all forms of logic and reason.
But it gets worse when you extend this to consider multi-user systems and browser-based logins. Afaik the checkbox is default enabled there as well. So anyone logging in on e.g. their workplace system to quickly purchase something; to reply to a forum thread on these community forums; etc. etc. over their lunch break, rather than doing so via their phone can potentially leave an active session on such a shared system without scarcely realizing it.
How many people remember to actually log out? How many just rely on closing their browser ending any active sessions? It's a rather unfortunate additional vector of getting your account compromised.
I pretty much made the same suggestion directly to Steam, they told me to post here... So I also made a post here earlier. That seems to have disappeared in the myriad of new threads being made so I guess I'll bump and +1 this.