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But on an application level, I think these do useful things as well. I feel like we're moving into a world where users are more and more left to fend for themselves for their own security; we increasingly need to rely on systems where we *cannot* expect a benevolent corporation to reset our passwords for our accounts, we need provider-independent security which *really* requires us to be able to keep several complex passwords memorized, and PINPal can help with that.