All of the problems I mentioned are solved for technical users, or special situations with the right equipment available (like a CAC reader... I certainly don't

All of the problems I mentioned are solved for technical users, or special situations with the right equipment available (like a CAC reader... I certainly don't have one of those integrated into my mobile phone, or laptop for that matter). That doesn't help when we need a general solution with usability that comes close to remembering a password.