I agree with your core points: Passwords are not enough for accounts that need to be secure.
But one thing that a lot of this glosses over is that different accounts need different levels of protection. I really want things like my bank account to offer stronger protection than a password. On the other hand for things like my hackernews account and my dragongoserver account they are probably plenty and its not worth additional inconvenience to have more.
It would be like saying your average bike chains are dead because they can be defeated by bolt cutters. Bike chains are plenty of protection for an average bicycle, but I want something more protecting a safe deposit box.
But one thing that a lot of this glosses over is that different accounts need different levels of protection. I really want things like my bank account to offer stronger protection than a password. On the other hand for things like my hackernews account and my dragongoserver account they are probably plenty and its not worth additional inconvenience to have more.
It would be like saying your average bike chains are dead because they can be defeated by bolt cutters. Bike chains are plenty of protection for an average bicycle, but I want something more protecting a safe deposit box.