Either your information is known to an attacker, or it isn't. Great security "at most companies" in a hypothetical future doesn't help. You need security better

Either your information is known to an attacker, or it isn't. Great security "at most companies" in a hypothetical future doesn't help. You need security better than the best attacker, at every company, all the time. That's a pipe dream. Instead we should take advantage of public-key cryptography, so that authenticating to one company does not leave behind infinitely reusable credentials for others.