This sounds pretty good from a user experience perspective, as long as there's a fallback method (click "can't log in" to send a text to my phone etc.). If I d

This sounds pretty good from a user experience perspective, as long as there's a fallback method (click "can't log in" to send a text to my phone etc.). If I die or am otherwise incapacitated, and my wife needs to access my accounts, she'll want to get my passwords from the safe (she's not great at remembering them). Biometrics is useless for this case, though maybe she can use the phone text fallback. It all sounds a little iffy, but then, passwords are iffy as well.