There is no end game with passwords and user accounts. You like the idea of a universal "driver's license" which is all fun and grand, until that gets compromised and then ALL of your accounts are automagically compromised in one fell swoop. You have to have a good game plan to ensure your the really valuable stuff doesn't get compromised. I take several steps to do this, and to this day, those valuable accounts remain undetected and protected. It all comes down to being smart, having a good strategy, and above all else, staying anonymous on the internet.