Unfortunately people like you (and me), who actually have strong passwords, let alone who understand in any detail what constitutes a strong password, are a tin

Unfortunately people like you (and me), who actually have strong passwords, let alone who understand in any detail what constitutes a strong password, are a tiny minority. They have to design for the lowest common denominator. And even those of us with strong passwords, and a strong understanding of cyber security, are vulnerable to phishing and other attacks, that can be defended against by using MFA. Obviously MFA can be taken to ridiculous "ten factor" extremes. But sticking with, or going back to, just passwords, isn't the solution.