As much as I’d like to see a world where PKI is used to secure digital resources, the status quo is a world often secured by passwords. Passwords are hard to remember, and easy to lose. We should use complex, hard-to-guess passwords. We should use separate passwords for every site. We should keep passwords to ourselves instead of sharing accounts with other users. All of these things add up to more than most minds should be taxed with.
The good news is: password managers can help!