If your point was that businesses need to start charging for their services/content, ok fine, no argument there. But much of your rant is in finding a solution for password friction by pointing out what a major cost it is to PayPal. You make no case as to how google/yahoo/facebook will solve password friction better than PayPal other than to say that users log into these sites more frequently and therefore remember those passwords better than they do a PayPal password. While users "use" these sites more frequently, they do not type their passwords much. This does not solve the password friction problem since transactions (with the exception of some types of micro-transactions) will still need a password at the point of committing to the transaction.