I can’t begin to count how many hours I’ve spent trying to help my mom untangle passwords for all of her accounts. I can’t help but laugh at the indignance over an approach that isn’t fully decentralized/anonymized/self-hostable/brushes-your-teeth-and-makes-you-toast/whatever.

I don’t need idealism. I need my mom to be able to figure out how to log into her bank without having to call me every time. The more that’s tied to a single ecosystem the better.