Thanks, but I think you misunderstood me.Yes, exactly! Well said, David! So, I as a customer of these businesses that store mine, thousands and millions of bits of personal data, need to be pressuring these companies to justify the current level of security and tell us what they are doing to make it better. I believe that our time is better spent pressuring these companies rather than worrying about our individual personal passwords, on our own devices.
The amount of pressure I can put onto TRW or Experian is... as near to zero as makes no difference.
If all Americans got together... they would lie to us more effectively and still not do anything.
Given the current reality, the only solution is for us to do what we can. Ideally, everyone would require hardware and software keys; the reality is that a bank I was dealing with the other day actually used my social security number as a password alternative! Yes, I’m moving my money out, but how would I know this unless I’d called with a problem?