[JAA1337]

I guess the biggest thing is passwords. I use passphrases, but yea - I don't use any single point of failure with respect to access.

As far as physical, while a lot of your footprint exists on line, still having the physical matters. A property deed is a good example of this. Another example is my will. I might be aging myself out of this conversation, but it's a point of view for consideration. And yes, these are in a fireproof safe along with birth certificates, passports, etc. So yes, if someone steals my identity, I still have physical proof. Standard MFA stuff (from wikipedia) "knowledge (something only the user knows), possession (something only the user has), and inherence (something only the user is)"

I'll end with another opinion ... digital wallets which are not backed by the FDIC are super scary. Im sure this is another conversation, but just because I choose not to have a digital wallet doesn't mean I don't care about free speech :)