Imagine staring at your smartphone, just trying to log into your bank account to check a balance. The screen aggressively demands a password. You type “Fluffy2009!” Incorrect. You try “Fluffy2009?” Still wrong. Eventually, you sigh and trigger a master password reset, which emails you a link that takes twenty minutes to arrive. By the time you finally get in, you’ve forgotten why you wanted to look at your bank account in the first place. Meanwhile,…