Regarding passwords, I definitely hope that we can have sign in with bluesky option instead of sign in with google and since bluesky can be self hosted or even the pds can be seperated from the server (not in practise right now but still) i feel like it has potential to replace the password issue in the article

Regarding payments, as I had wrote in some another comment here where I basically wrote a article, the gist of it is that I believe that we need a system where stripe's payment integration doesn't need us to have insane kyc requirements and we can just sign up to stripe using a account and then start paying / accepting just as it can happen in roblox. I am pretty sure that stripe had launched some cryptocurrency features and there was this guy on twitter who was requesting a stripe card where they can pay stripe balance to other stripe accounts instead of waiting 14 days to redeem it and then spend it, I don't know the progress of it but seriously stripe just has to do these two things:-

1) make kyc less strict, allow ways to earn money by having a payment method just via having an account, no need to do entire kyc 2) allow payments from those accounts to anywhere stripe is valid.

I am not sure why they don't do it. This thing can honestly put most of my usecases of crypto to bed and I wouldn't even mind a 1-2% cut tbh.