"This issue is a pet peeve of mine, because I see so many problems everywhere: 1. It drives me bonkers that financial institutions don't implement two factor authentication across the board. As it is I'm not sure there's *any* that do. 2. As time goes on more and more security is out of users hands. No matter how good my personal security habits are, it's doesn't matter if hackers can get into a company's database. See: Sony, Target, Home Depot. I'm less afraid of someone compromising my password to get into my Facebook account than I am of a hacker getting into Facebook's servers and downloading millions of accounts worth of data at once, including mine. I *assume* that any tech company has implemented best practices for security, but I can't really know that. 3. Password managers are great, but these really need to be baked in as a low level service, not third party apps. They're a pain in the ass to use on mobile. (Open App, open Password manager app, lookup password, copy username,..." - Eric P