"sub-accounts and ACLs" sounds just as awful to me, if not worse, quite honestly. Imagine managing an "Account" at each of 100's of online merchants and other s

"sub-accounts and ACLs" sounds just as awful to me, if not worse, quite honestly. Imagine managing an "Account" at each of 100's of online merchants and other sites like Netflix, where each has >= 1 "User", and "ACLs" (permissions). I am entirely happy for my family to just have access to the Amazon or Netflix email addresses (logins) and passwords without any of that overhead.