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Passwords are okay, impulsive Internet isn't
(www.dedoimedo.com)
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That was a huge rant, i also don't like the microsoft authenticator so guess what i don't use it, and the issue of your private keys to getting stolen if your pc is hacked has long been solved with password protected keys.
All of these issues pretty much amount to nothing, the standard works and is more secure then passwords, same reason as to why enabling password login on SSH is not recommended.