Curious for the reason behind the downvotes. Questions: - Do you guys actually think the current situation is OK, with respect to the way Joe Sixpack and Jane

Curious for the reason behind the downvotes. Questions: - Do you guys actually think the current situation is OK, with respect to the way Joe Sixpack and Jane Boxwine manage their security credentials? - Do you think the situation will magically get better on its own without some significant centralization? - Do you think social networking companies like Facebook or advertising companies like Google -- neither of whom consider end users to be their actual customers -- are the right ones to assume such a role?