The core issue is identity. If people would protect a digital identity a little better than they protect a credit card, that could/should be the basis of everything. Any account “worth more” than the CC $50 liability limit should have additional layers ON TOP OF the secure identity, including front line security that must be passed before the secure identity comes into play, but that single identity could/should be an element of access control to all non-anonymous accounts.

Anonymous accounts should stick with passwords, and online material should be clearly attributed as anonymous, or sourced from a secure identity (signed by said identity and blockchained to provide provenance).