Because SSL certificates are a hassle to use on the client side, and possibly cumbersome to generate. I used client certificates in a few projects, and while th

Because SSL certificates are a hassle to use on the client side, and possibly cumbersome to generate. I used client certificates in a few projects, and while the idea sounds perfect, it's hard to implement, and at least I don't understand it thoroughly. A username and a password is so much simpler.