This seems to kind of mirror my own internal problem-solving technique. I too have only actually asked a couple of questions because almost every problem I've run into, I've solved myself well before I did enough research and searching to write a quality question that hasn't already been asked a dozen times. I might even say that Stack Overflow's gotten big enough that it's tough to participate - you almost have to get into kind of obscure stuff to have a question that's meaningful and hasn't already been asked and answered, and you usually have to be a pretty top-level programmer to answer the questions that do pop up quickly enough. Not that I'm really compaining - it's more valuable as a well-indexed and searchable store of knowledge than as question-and-answer resource.

Your "dream scenario" sounds remarkably similar to how LastPass works now. On the downside, auto-scrape and fill of account creation and login info isn't quite perfect. On the upside, they already store a strongly-encrypted password list in the cloud that is only decoded on the device, and it's available on almost all devices and browsers. They don't have a captcha, and I don't see what the purpose of it is either. Why bother having the browser side verify that there's a person at the computer?