Re: the receive email -> click URL -> enter credentials.
We need SSO to stop being gated behind enterprise tiers. SSO tax is real, and can help solve this problem. I've moaned about this before as the leader of an IT team for a medium-sized company reliant on a lot of SaaS.
Enterprise plans are too much (both in terms of cost and features) for us, but we are smart enough to have security requirements and one of those is SSO & SCIM. Very few SaaS offers that on anything but the most expensive "call for quote" tiers. That's a huge problem.
That whole email invite->click link->enter credentials workflow is gone with proper SCIM provisioning and SSO. It's the bare minimum a SaaS product should offer and should be on the lowest available tier.
The other problem are services like DocuSign, which offer free trials that are abused to send out fake documents. User gets a legitimate email from DocuSign's domain, clicks on it, opens up a real document in the real DocuSign site, but the doc has a link to the phishing site.
All DocuSign needs to do is require a CC for the trial or contacting sales for a trial, problem solved. But they don't, so as far as I'm concerned they are complicit in enabling phishing.