The problem is passwords, so long as we have passwords we are going to keep talking about password algorithms, password managers, password strength, password requirements, lost passwords, stolen passwords, phished passwords, forgotten passwords, expired passwords and all that crap.
My startup is working on killing the password. What if we don't need passwords EVER? No need to argue about algorithm, strength, reset, lost, stolen, forgotten and expired passwords.
This is the problem I'm currently working on. Oh yeah, I did apply to YC and got rejected. Anyways, I'm in the early stages but plan to be shipping within the next 4 months. If anyone is interested in beta testing when I reach that stage please ping me.