"The funny thing about this proposal is that it is exactly the way my non-technical family members use every service." +1 to that. My non-technical family and

"The funny thing about this proposal is that it is exactly the way my non-technical family members use every service." +1 to that. My non-technical family and friends do the same. I spent a month experimenting with this approach myself vs using LastPass. It was actually pretty comfortable - easier than 2 part auth - excepting that sometimes the forgot password links were difficult to find.