[chrisco255]

It's not about understanding, it's just that passwords require no dependencies. I don't need to carry special hardware or install special software to define a password. Even though I carry a Yubikey with me everywhere I go it's still a bit of a burden to pull it out and plug it into my phone or PC whenever I need to use it to login to something.

[stavros]

If you don't need special software to use passwords, you're doing it wrong.

[megous]

All you need is a piece of paper and a safe. :)