So for example if I use iOS apps for everything I can let them handle authentication for me and use my fingerprint, which is a much much nicer user experience t

So for example if I use iOS apps for everything I can let them handle authentication for me and use my fingerprint, which is a much much nicer user experience than remembering a load of passwords. I'm two-thirds of the way thru the comments here, and you are the first to mention this. And yet, as you say, it's a "much much" nicer experience. I've started allowing iOS apps to identify me by fingerprint, and it's a lot more pleasant to do that than to type in some crazy long password.