As long as we have way too many unnecessary passwords, this will happen. Merchants have figured this out. Many now allow purchases without creating an account

As long as we have way too many unnecessary passwords, this will happen. Merchants have figured this out. Many now allow purchases without creating an account (no doubt also because if people have to create another password, some will just abandon the purchase.) I was reading about the Eero router. They figured this out. They get the user's phone number and send a token by text. Passwords are horrible for usage and horrible for security. Just horrible all around.