When people learn that I do tech support for family and friends, they'll often ask, "What's the most common problem?" In brief, all problems start with, pass through, or end up as issues of password management. People use password managers, let their browsers manage the passwords, use memorable passwords, or keep a recipe box full of index cards.
It's not surprising that, as shown in a report from Forbes, people reuse their passwords across multiple sites. Multi-factor authentication is both better and worse: better because it's more secure and worse because it adds to the demand of having another device handy.
To be continued …