I get the capitalist inclination and desire to make things easier for people (and often infantilize them) but this just ain't it.
There is no easy solution here. Security is difficult and there are no shortcuts that involve "make things easier for the general public" that don't ALSO involve "make things MUCH HARDER (either in complexity or LIABILITY for getting it wrong) for the company providing the security."
I get the capitalist inclination and desire to make things easier for people (and often infantilize them) but this just ain't it.
There is no easy solution here. Security is difficult and there are no shortcuts that involve "make things easier for the general public" that don't ALSO involve "make things MUCH HARDER (either in complexity or LIABILITY for getting it wrong) for the company providing the security."