> - we lose contact with people because they get locked out of their email This is a temporary condition, and they can create another email or communicate via

> - we lose contact with people because they get locked out of their email This is a temporary condition, and they can create another email or communicate via other means. If some part of your life is highly dependent on a single email address remaining 100% available, you've made a mistake already. > - we pay more in bank account fees to subsidise fraud compensation I have a feeling that if you got rid of passwords, new forms of fraud would become prevalent, and the fees would remain. Humans are humans, taking away the password does not insulate them from their own basic nature. > - we have our personal information stolen because others chose weak passwords It's the same issue as above. Your information has value, so it will be sought out by people who wish to exploit it. Social engineering exists and won't go away just because we got rid of a single token based mechanism. > Given how much we suffer from other peoples' poor choices, It's a poor choice to be dependent on email or to give your personal information away to every single form that asks for it. You can balk at the external factors if you like, but you won't solve anything by it.