[markup]

Normal people don't care about a lot of stuff, but this doesn't stop research and development. The world would be a really boring place if we had to think solutions targeted at the "average Joe". I do care about this and if someone offered me a solution for these issues I'd buy it right away.

In regards to 2., you are right but today the same risk is multiplied on dozens of websites that I know basically nothing about. I don't know how they store and backup my stuff and I don't know how they deal it.

As per 4. OpenID and OAuth DO work (I use them a lot), what I tried to say is that they do not solve the underlying issue.