[dahwolf]

"but a large portion of users do not understand why they need a password".

Exactly right. My mum has an iPad, secured by a PIN. This in itself is already an annoyance, but fine. Next, several services on the device have their own authentication. Say, the Apple ID. Email. Spotify.

The thing tech people fail to understand is that many people, including my mum, are not able to conceptualize these services, they lack in tech skills but also in abstract thinking in general.

She sees the device as a single physical device. She owns it and it should stop bothering her about access. She has it in her hands, what access?