First I need to make an account for nearly everything.
Then I need to link that account to a phone number or email.
Then every time I use the service I need to wait for them to text or email me a password.
If they email me the password then I have to log in to my email, which means getting another password texted to me.
Alternatively if it's work related I have a physical key card, a physical password generator, and a slew of personal passwords I just memorize. I have to keep all of these on me just to log in: regular keys, cell phone with service, email, key card, password generator, and ideally a different password memorized for every service which need to be changed every 60-180 days.
Maybe an example is needed, this is a typical day: I want to use the building's front door, so I use the key card. I want to use my office door so I use my regular key. I want to use my laptop so I use a memorized password. I want to connect to the network so I use my physical password generator with a memorized password. I want to read an encrypted email so I use a memorized password. I want to download a file from a document share with another company so I use a memorized password and get texted a password. I want to use the computer lab so I use a key card and a memorized password and another key card and another memorized password. I want to buy something online so I create a new account with a memorized password and get emailed a password so I log into my phone with my thumbprint and my email with a memorized password and get texted a password. Then I buy the thing with a credit card number and code which I've memorized since I get so much practice memorizing things now. I probably verify my identity a hundred times every single day, and businesses seem to be adding more and more ways to do it, making it more and more difficult.
I remember being impressed by my grandfather's keychain when I was a child, thinking "wow, how can someone need this many keys?" ...