The thing you have to factor in is that most people are at risk of phishing or password leaks by compromised sites. The vast majority of users don’t have the pr

The thing you have to factor in is that most people are at risk of phishing or password leaks by compromised sites. The vast majority of users don’t have the problems you mentioned so it’s a question of whether we should leave 90% of users at risk or let them have a safer, easier, faster experience while the remaining people continue doing what they are doing now or drop a few bucks on hardware tokens.