No such thing as a stupid question....
from all that I have read and seen so far...yup...that is one of the points...why have it installed under your skin if you can't wirelessly access it ? If you have to remove it every time to put data into it.... it would defeat the purpose and be an inconvenience. Also encryption is also an important factor which they address...why put sensitive data on it if others can access it?

From the point of view of trying to be ahead of the curve ...so-to-speak...from a societal ...let alone tech view...Proper wetware interfacing will make life alot smoother for those with the bioware.

Frankly I see the inevitable that the critical issue really isn't about getting it done ...It's WHEN to get it done....

As in get it done now and you can do alot of cool stuff....

get it done in the immediate to near future and the amount of stuff they can cram into a capsule will be greater by then...

better...to get used to the tech is try it now and either get rid of it if it isn't your thing ...or keep it and consider future upgrades....upgrading constitutes removal of current implant and reinsertion of new upgraded capsule....