No medical practice, HOA, etc. is ever going to ask its patrons to fiddle around with PGP. The receptionist is not going to ask my grandmother for her public ke

No medical practice, HOA, etc. is ever going to ask its patrons to fiddle around with PGP. The receptionist is not going to ask my grandmother for her public key before her hip replacement. Email functionally cannot be encrypted unless all parties to the conversation are in a tiny cohort of computer enthusiasts. Password reset is a noisy, active attack compared to eavesdropping somewhere in the path of an email.