You and I speak the same language often.

"it wont work if we can't make it easy for grandma!"

Is very very true and also been saying it since 2017.

4 keys, a master million digit password and logging in is what slowed my damn coding down for a week and still isnt "good enough" for everybody - I get it technically, but what the fuck? MY brick and mortar BANK with my imaginary millions in it only has one password, that I get to pick and remember, with backup plans for getting in if I forget it, for fucks sake.

When nerds make things, they seem to forget how to basic-human sometimes, a lot of the time.