[Sanddancer]

In the rest of the world, though, unlocked phones are super common. Also, with sim cards, if my phone dies while I'm out on vacation, I can swap it into my backup phone with a minimum of effort. Software actually makes that harder because all the security benefits of a physical device go out the window. In order to be secure, I'd need to make a secure password, one which I'll probably forget five minutes later. At which point, I'd need to store it on some password aggregator. Thus, when I'd actually need the username and password, I'd not have access to the one device needed to access that information.

Usernames and passwords suck. A lot. We should be striving to get rid of them, not make more places need them.