Comment by pjkundert

I have 743 login credentials (1984-present).

Trusting 743 “randos on the internet” to safeguard “my” data, and give me access to use it.

Insanity.

Agent-Centric systems where I retain signing keys to authorize access to (and transactions using my) data are the way forward.

A Key Fob (like you have for your car) is not onerous, and methods for recovery using trusted community members is practical.

Holochain (and the Holo project) are good examples of working implementations.