Most of us will wind up with some form of mental or physical degradation… that may mean Alzheimer's, or Parkinson's, or psychiatric conditions, or horrific cancer (eg. prostate, breast, uterine, COPD/emphysema, etc.) that weakens us for months or years at end-of-life. The fact is, there are so many things that can go wrong regarding health in one's mid-to-late years, that expecting to manage a complex identity/password system is unrealistic.