House without locks
This article reeks of putting down users for failing to compensate for a paradigm that's been pure crap since the earliest days. Essentially the entire industry, hardware and software, has profited from building the equivalent of houses without locks; then sanctimoniously demanding that the purchaser become their own locksmith. Even so, the 'standard' solution is equivalent to a hasp with a hair-pin clasp.
Passwords? Inadequate from the very get-go, and the explosion of internet commerce, personal finance, and social sites exponentially scaled up the problem.
Let's blame Microsoft which failed to provide a human-engineered personal security solution into their product. It would have been very easy to implement a secure PW generator and storage utility, with UI prompts to manage a suite of secure passwords. Additional security should have been provided on the hardware side, with a random PW generator chip that worked as a unique authentication code to accompany the user's PW. Additionally, the software would automatically remind the user to trigger PW changes/updates at frequent intervals.
In short, the users should NOT have to tell the damned computer to implement security; an intelligently designed computer system would remind the user that automatic and personalized security measures are in place, with reminders to backup and refresh. As for turning the damned thing on in the first place, a personal key or inserted card or other lock/unlock device would make a helluva lot more sense, security-wise.
No... we were brain-washed from the very beginning by lack-wit, cost-cutting, inward-focused providers who brayed that "passw*rd" was sufficient security, and it was the user's obligation to think it up, memorize it or write it down and then all would be safe enough. And don't forget to buy and install this year's latest AV nagware.
Amazing! 200 million people in the USA aren't frickin' home-educated computer security experts! And the US government is proving to be the biggest Dodo of all. So we wonder why it is that we've accepted shite for security because from the earliest days we were given fuck-all for security by the builders... houses without locks!