You end up with bad passwords anyway (like Fuck Off 45).  Or you end up with everyone using the same account, or post-it notes with passwords, or notebooks with passwords, or an email draft with passwords.<p>I&#x27;ve seen smartcards have the best impact.  Yeah sure they can be swiped or forged, but compared to the real, effective security of passwords, they&#x27;re much better.  You also can&#x27;t lock yourself out of a smartcard system.  You <i>can</i> forget your card at home, but it&#x27;s easy to just reissue a new card and invalidate the old one (throw it away when you get home, it&#x27;s just a hunk of plastic now).