Allow Apple watch users to wear the watch loosely

I finally bought an Apple watch and was looking forward to using Apple Pay on it when I discovered that I need to enter a passcode every time I want to use it. I realize that if you tighten the strap enough the watch will detect your skin and not automatically lock but this is a MAJOR design flaw for a comoany focused on quality and functionality. Many people like myself do not like to strap a watch too tightly to the wrist. It reduces circulation, is uncomfortable or irritating to the skin, and can promotes fungal infections. I used to wear watches all the time as a kid and I have always worn them loose because it's mych more comfortable that way. Apple should to allow users to enter the passcode only when using Apple Pay. Otherwise, have the watch detect that it is still strapped to the user's arm even when it's worn loose and shifts around a lot. Users should not be forced to enter a passcode each time when the watch is not tightly strapped to the wrist. Because I value comfort, skin health, and good circulation I am now unable to use the Apple watch to pay, which makes my watch much less useful to me.

PLEASE FIX THIS!