Not to sound like I'm pandering, but I bet the average IQ here is over 120.
Back on the topic, I've had several conversations with my kids about how there will likely be chips in brains within their lifetime and that the technology is likely to cause a divide. I could see why a lot of people will not want one. Yes, it will give you enormous advantages, but it would also leave you very vulnerable to manipulation.
Think about how invasive a chip in your head would be; you would basically be exposing your thoughts to the world and opening up a door for exploitation. On the practical level, you would never be able to put your chip down, it is always sitting there in your head.