

Don’t get me wrong, there are systems that work. I built up a very successful smart card based system many years ago after a failed audit. I initially hated the idea but in the end we built a crazy secure environment that was very easy to use and maintain. That project is long since obsolete but after doing that one, over a decade ago, I figured things were headed in the right direction.
I think I’m extra sensitive right now because my aging mom has made the issue acute. She’s not the same as she was a few years ago and helping her with all her online accounts has become a nightmare. It’s just too complicated for many folks.
Illogical meat brain that thinks odd numbers are more random that even I guess.