I hate to be that guy, but why is something as trivial and inflexible as this being voted up? It's the schema for the user accounts and logins for a specific a

I hate to be that guy, but why is something as trivial and inflexible as this being voted up? It's the schema for the user accounts and logins for a specific application, but without the actual application or documentation that would explain what the idea of each table and column is? Is this meant as a "Here's how you could model a database for doing this", why is it lacking any explanations on how to use it, justifications for the choices, or examples on how the UI flow would look like? Why is a user's phone number so important that it's part of this, but not a user's last IP address or time of login? Super confused here.