I don't see any problem with the article but almost all the points you raised show there are things hardware vendors, operating system vendors, application developers, and essentially our world should fix on our end and not burden users with it.

For example, some web browsers (Google Chrome and Apple Safari) offer to create randomized passwords.

Revolut allows you to generate "virtual" credit cards which are just disposable credit card numbers linked to your account. You can spun one for every major online service you use (Netflix, Amazon, etc.) in case it gets hacked or for any transaction you're making on a less trusted site.