"It is long past time we abandoned passwords and 4-digit PINs for anything of any real importance, and time to recognize and build protections into our sourcing systems against spyware hard and soft."
Ever heard of the phrase "the cure is worse than the disease"? At least the "big" loss isn't a guarantee, but killing ourselves trying to guard ourselves from a risk may well be a certain death. In which case, it's better to just roll the dice. After all, we've been fapping around with passwords for decades...because there just isn't any better alternative that employs nothing but the human brain, especially for faulty brains. AFAIK, it's a physical impossibility: what man can create, man can re-create. It's a problem that's been known since before World War II (based on the writings of E. E. "Doc" Smith, who had to resort to science fiction to find a foolproof solution).