We've invented better things, but they inherently have the problem of: What if I lose/break/etc my hardware token? What if it gets stolen? Plus of course the ve

We've invented better things, but they inherently have the problem of: What if I lose/break/etc my hardware token? What if it gets stolen? Plus of course the vendor lock-in potential. The closest we really have is biometrics but even those have complexities, particularly with deep-fake style tech getting really near perefect.