Comment by cypherpunks01

Some of this seems fairly uninformed, which is surprising because of the author's background.

"First, it’s easy for programmers to deploy a standard username/password setup. They more or less just push a button in their app-building toolkit."

"Two-factor sign-in: ... The problem, and it’s a big one, is that you can’t really carry a different doohickey around for each of your passwords."