I agree with you and I made it so the iPhone you carry around everyday can be your password manager. I'm honestly not trying to spam HN with links to my produc

I agree with you and I made it so the iPhone you carry around everyday can be your password manager. I'm honestly not trying to spam HN with links to my product but since it's on topic I'll just mention that I developed an iPhone app called KEYBOX ( http://www.jayfuerstenberg.com/keybox/ http://www.jayfuerstenberg.com/keybox/ ). It securely manages passwords and other secrets without dongles or other devices. USB keys are a good idea from a convenience perspective but what makes it convenient for you makes it equally so for a hacker (the nefarious kind) to break into whatever system you're trying to make secure.