Jay's unfortunately not wrong about that. Hitting that balance between “so secure even I can't access it anymore” v. “so convenient that cybercriminals can access it, too” is less trivial than a lot of the “just use keypairs” crowd likes to admit — even for those of us with many years of experience working with SSH and PGP keys, let alone people who haven't the slightest idea what a “keypair” even is.