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@wizard well, the technical know-how of how to use telnet or interpret HTML is also way above the head over normal computer users, yet they manage to send emails and view web pages? Probably because someone wrote a program to help them with that.

I'm not saying that I expected that using a password should be removed as an option, I just don't understand why it seems there's no sane, (reasonably/much more) safe, free way being developed/adopted to log into websites.